October 5, 2010 (The Dave Ramsey Show)

"Your credit score is completely composed of you borrowing money and paying it back. Your credit score is not an indication that you're smart, it is not an indication that you're winning with money or that you have money; it's an indication that you've borrowed money and paid it back a lot. You love to play kissy-face with the bank, that's what your credit score is" Dave Ramsey