God now has a credit score, plans to buy a new BMW.

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God now has a credit score, and in fact it’s a divine 820 according to Equifax, one of the three major credit bureaus. But before we question the blasphemy of why God’s credit score isn’t perfect, it’s important to mention that this God is actual a New York City man named God Gazarov. Mr. Gazarov, a Russian immigrant who owns a jewelry store in Brooklyn, had a particular hellish run-in with Equifax after they refused to log him a credit score based on his unusual first name. It took five years for the prodigal 27-year old Gazarov to reconcile with Equifax, but it finally came to be when he settled a lawsuit against the credit score provider.

The genesis of this credit snafu was when God Gazarov went to finance a car he was buying, but found out that Equifax did not have a score or report on file with Experian, even though he was in good standing with Transunion and Experian. Turned down for the car loan because of his lack of Equifax score, God was forced to accept financing at lesser terms, costing him a lot of money – and time and energy as he tried to fix the issue.

At the time, Gazarov didn’t know what the big deal was, since God is a common name in his native Russia. In fact, he bears the name of his grandfather. “I was named after him,” Gazarov said. “I’m sort of like God Jr.”

Assuming it was an innocent error, God called Equifax several times but was essentially snubbed by their customer service representatives, who refused to register his name and even suggested he legally change his name if he wanted an Equifax score.

With no other recourse, God filed a lawsuit in District Court. Equifax did clear his name and issue a credit score within a matter of months, but it took almost 60 months for a judge to encourage the two parties to settle for an undisclosed amount.

“I’m happy my credit is fixed, and I just hope it doesn’t happen to anyone else,” said Gazarov after his case was settled. And while the whole event was pure heaven for newspaper headline writers, it highlights a valid issue for the credit bureaus.

Lawyers for Equifax, who declined to comment while the case was pending, explained the problem in a recent email to CNBC. “The processes we have in place,” read the email, “are for security and protection purposes to help ensure that businesses and individuals requesting access to credit are who they say they are.”

“Standalone names that generally are not associated with valid openings of credit accounts are flagged by this process. We have made the necessary alterations to accommodate certain standalone names, including Mr. Gazarov’s, without compromising the integrity and security of our systems.”

So what will God do, now that he finally gets credit for his 820 Equifax score and a lump of cash to play with? According to the Brooklyn man, he plans on buying a brand new luxury BMW – and financing it.

Apparently, God has good taste, too.


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