3 For what does the Scripture say? “Abraham believed God, and it was credited to him as righteousness.” 4 Now to the one who works, his wage is not credited as a favor, but as what is due. 5 But to the one who does not work, but believes in Him who justifies the ungodly, his faith is credited as righteousness, 6 just as David also speaks of the blessing on the man to whom God credits righteousness apart from works … (Romans 4).
Four times we see this word “credit” (logizomai) in our text. It’s an accounting term depicting the cold, hard facts of numbers — which do not lie. You reach into your pocket and pull out some change and count it up — and that’s how how much money you have, period.
So here are the cold, hard facts for anyone who believes, starting with Abraham, the Father of our Faith: At the moment when anyone believes in Jesus, God credits their sorely deficient spiritual account with His righteousness. How sad that so many folks operate from the viewpoint of trying to tip the scales in their favor by doing good works, when all that is required is but to believe on the One whose righteous works stand ready to be credited to their accounts.
Thank You, Lord, for crediting us with Your righteousness. Thank You that we do not work with Scales, but with Ledgers. Thank You that we will not stand before a set of scales, waiting to see if our good in this world outweighed our bad — but that we will stand before a Holy Judge who, by His grace and the great Work of His Son, has simply written our names in a Ledger. Help us to live This Day trying our best to pay back what has been credited to us (though that is impossible), rather than to pay for what we think we can earn (also impossible). Amen.