June 7, 2020

“The Lord will fight for you, and you have only to be still.” – Exodus 14:14 RSV

A daily inspirational post I was reading last week added this perspective to the above Bible quote: “Relax. Stand firm, knowing that with God in charge, all will work out for the highest and best good of all concerned.”

Contemplating this, I had a sudden flash of insight about how to solve a frustrating situation I had been grappling with for over a month. I had tried to solve it by my own brainpower, to no avail.

Thanks to these wise words, I remembered to take a breath, focus my energy on being open and receptive and then take the problem to a much Bigger Mind for the answer.  The process for doing that is something I have written about before in this blog and a tool that I use on a daily basis.  In fact, I am so thrilled with the results my clients and I have gotten by using it, I will be sharing it with all my New Success Membership subscribers beginning this summer.

This simple, fool-proof tool is called The Gratitude Formula, and is described by May McCarthy in her wonderful book of the same name.  I wanted to share with you my recent clear example of how well it works on ALL problems and with ALL personal and business goals, big or small. Here’s how it worked for me:

A little over a month ago, I got a notification that a “derogatory” item had been posted on my credit report by Experian, one of the three major credit reporting agencies.  It claimed that I owed a childcare provider in Minnesota over $800. The debt had been turned over to a collections agency because it was two months past due. That would be a pretty strange debt for me, since I am well past child-rearing age and I live in California!

On top of the inconvenience, this mistake could have serious financial consequences, as I was in the process of applying for a small business loan, and this one item on my otherwise pristine record was the worst possible type of derogatory report for a lender to see: non-payment of a debt.

My Ego’s first reaction was righteous anger and “Why ME, why NOW?” Fortunately, my coaching training got me down off that ledge pretty quickly.  As I teach my clients, the Law of Attraction (“energy attracts like energy”) can work FOR or AGAINST you. If you respond to adversity with negative thoughts and emotions, your negative energy is only going to attract to you MORE negative outcomes.

I quickly released ALL negative thoughts and feelings and declared (and truly felt) that I forgave whichever overworked employee at the collections agency had made this unintentional error.  I soon shifted into feeling poised and confident that all would be straightened out before the lender pulled my credit report.

Since it was so patently illogical, I thought it would be pretty easy to prove that this was somebody else’s debt that had been placed on my report, perhaps due to our names or our social security numbers being similar.  I was confident that I could take care of this myself and filed a dispute online with Experian.

Off to a good start, Experian emailed a quick response, saying my dispute had been opened and giving me the case number and a few details, including the name and contact number for the collection agency, also in Minnesota, that was trying to collect the debt on behalf of its client, KinderCare. But while I waited for Experian to officially clear things up, I decided to try to speed things along by contacting the collection agency myself.

The collection agency employee looked up my name (every spelling we could think of), past names and my social security number.  None of my information was in their system.  I pointed out that if I was not in there, this could not possibly be MY debt.  I thought I was home free! Alas, it wasn’t that simple. The collection agency said there was nothing they could do, aside from letting Experian go through the proper channels to remove it from my report.

OK, it looked like all I could do was be patient.  I worked hard on having a positive expectation that all would be well and have no negative effect on me financially.

Finally, after several weeks, I got the long-awaited email from Experian stating that my dispute had been investigated and a resolution had been reached.  When I read the rest of the email, my heart sank: Experian had “checked” with the collections agency and the information on me had been “verified” so they were leaving the negative item on my report! I was in shock but I wasn’t going to give up without a fight!

The next morning during my personal growth reading time, I came across the “stand still and let God fight your battles” thought. It was exactly what I needed to hear!

I realized that, while I had been thinking positive thoughts that MY way of handling this problem was going to take care of everything, that wasn’t the same as turning it over to a Higher Wisdom to guide me to the ideal solution. I firmly believe that, even when we can’t see any possible solution from our limited human perspective, God/The Universe always has one.  I had just forgotten to ASK!

So, I got out my Gratitude Formula Journal and I wrote to God for guidance on how to proceed. (May McCarthy makes it clear that in using this system, we each work with our own personal belief about who our ultimate advisor is. Mine is God, but yours might be something or someone else you believe in. You do not have to be religious to use it.)

I began by listing and expressing heartfelt thanks for the many, many GOOD things in my life. It is so easy to fall into negative energy when we are focusing on our few troubles, and ignoring all the many blessings our life is awash in. That’s why you start your daily letter by thanking your Ultimate Advisor for what and who you ALREADY have in your life that you love.

Next, the Gratitude Formula tells us to express gratitude IN ADVANCE for the guidance we are going to get to create what we want but don’t yet have.  I wrote, “Dear God, I am so grateful that You are now leading me to exactly the right people who will quickly and easily help me to straighten out this mix up and restore my credit to its rightful state. Thank You!”

According to the Gratitude Formula, after you ask for what you want and express gratitude in advance, you just have to “stand still” and stay open to receive the answer in whatever way and timing it comes, often as an inspired idea that bubbles up from your own subconscious mind.  After signing my letter to God, I felt a peace and belief at a much deeper level that the perfect solution would soon appear and all would be well.

The idea suddenly came to me a short time later to call the collections agency again, but this time to give them ALL the information I had, including the partial account number for the person who owed the debt to KinderCare.  That partial account number turned into the magic key that began opening the solutions box!  The collections agency couldn’t help further, but gave me the phone number for KinderCare’s internal collections department, which I had no way of getting before, to see if they could figure it out.

Without the complete account number, a nice KinderCare employee could not find any clues as to the identity of the debtor, but she also gave me a special secret number for the collections agency’s internal Department of Consumer Affairs.  Back to collections, but NOW, I was actually getting somewhere!

The woman at collections was also helpful, but could not find the full account number in her system.  She suggested I call Experian and see if they would give me the FULL account number of the KinderCare client. Then she gave me another special secret number where I could actually talk to a LIVE employee in the Experian Dispute Department!

A very nice employee at Experian pulled up my credit report and asked me to again verify my name and social and some other identifying information.  In two minutes, she said, “Well, I am looking at the name of the person who owes this collections debt and it’s NOT you — Not even close to your name or social!  It clearly got put on your report by mistake. I am fixing this right now and a copy of your corrected credit report should show up in your inbox soon.”

In less than ONE hour, Experian emailed me my corrected report and my credit score had risen 25 points. Hallelujah!

I am forever grateful that the Divine HOW is always presented to us exactly when we need it, to help us solve any problem or reach any desired goal.  We just need to know how to ASK, BELIEVE and be open to RECEIVE it when it comes!

P.S. Please keep an eye on YOUR inbox for a special message in the coming days about the New Success Membership program that will be launching this summer to teach you EVERYTHING you need to know in order to master the Law of Attraction, The Gratitude Formula and some other great tools for reliably connecting to your own Divine Guidance that can lead YOU to easier, faster and greater success in your career, business, finances, health and relationships. We will be welcoming Founding Members at a VERY SPECIAL PRICE when registration opens for a limited in just a few weeks!

If you or your friends would like your own free subscription to receive this blog three Sundays a month, just go to https://www.practicalprosperitycoach.com and click on the Prosperity Tips button at the top.

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