December 18, 2014 (The Dave Ramsey Show)

"My credit score is zero. I haven't had a credit score in 20+ years because it's not an indication of wealth." Dave Ramsey

December 18, 2014 (The Dave Ramsey Show)

"The credit score simply means I have borrowed money and paid it back. If I'm not gonna be borrowing money anymore I don't need  a credit score." Dave Ramsey 

November 20, 2014 (The Dave Ramsey Show)

"A short-sale is a damage to your credit; a foreclosure is even more damage to your credit." Dave Ramsey

July 22, 2014 (The Dave Ramsey Show)

"You do have credit [to buy a home] if you paid your landlord early or on time, have a good strong down payment, and you've been steady on your job for the last two years or more and you don't have any credit at all, you'll qualify for a manual underwriting. Some lenders know how to do that, not all of them do." Dave Ramsey 

July 9, 2014 (The Dave Ramsey Show)

"I haven't had a credit score in 20 years, mine is indeterminable, it's zero. They can't figure out how I make it cuz I don't borrow money but you know what I do have since I don't have a credit score? I don't have any payments, that's why I don't have any credit score, since I don't have any payments, you know what I have? Money." Dave Ramsey

July 9, 2014 (The Dave Ramsey Show)

"You quit borrowing money [and] you won't need a credit score but you won't have one." Dave Ramsey

April 8, 2014 (The Dave Ramsey Show)

"Anything you're gonna buy we're gonna teach you to save up and pay cash for it, with the possible exception of a house and you can get a house without a credit score." Dave Ramsey

January 29, 2014 (The Dave Ramsey Show)

"My debit card will take me everywhere your credit card will take you, it's a Visa and it will be accepted everywhere that Visa is accepted. Now, some hotels put a hold on your account for the amount of the room so you actually need to have some money in your account, hello, there's a thing. Don't be traveling without money and if you're too broke to travel, you stay home." Dave Ramsey

December 11, 2013 (The Dave Ramsey Show)

"Your FICO score only says you've borrowed money and paid it back, it's not an indication of your net worth or your income or that you're savvy with money; all it says is you paid bills and you were stupid enough to go into debt so that later you could go further in debt by building up your FICO score, which is a false measure of financial health." Dave Ramsey

December 11, 2013 (The Dave Ramsey Show)

"You could run into trouble renting cars from some companies with a debit card when you haven't arrived at an airport, in other words if you go up in your home town without having arrived by airport and just rent a car with a debit card, some of them won't rent to you. But it's really very minor compared to being freaking in debt to your eyeballs and paying all your income to a stupid bank and interest coming out your ears, all in the name of having a credit score!" Dave Ramsey

December 11, 2013 (The Dave Ramsey Show)

"The challenges of living without a credit score are very low unless you're trying to buy things that you don't have the money to buy." Dave Ramsey

March 27, 2013 (The Dave Ramsey Show)

"When you tell your 17, 18, or 21 year old to go get a credit card or to build their credit, what you are saying is you don't believe they will have a good life unless they have debt." Dave Ramsey

March 27, 2013 (The Dave Ramsey Show)

"Don't go into debt so that later you have the opportunity to go into debt, this is stupid, break the cycle. Don't build you credit, build your wealth." Dave Ramsey

March 27, 2013 (The Dave Ramsey Show)

"I can't rent an apartment over here at the local apartment complex, I can write a check and buy the complex, but I can't rent an apartment there because I don't have a FICO score." Dave Ramsey

September 14, 2011 (The Dave Ramsey Show)

"I want you to look these guys up: ecredable.com...this is a company that can help you, as a consumer, prove your credit worthiness without having to go into debt, they take other things that you're doing in your life and build you a different kind of score" Dave Ramsey

September 12, 2011 (The Dave Ramsey Show)

"The only reason to build your credit is to go into debt" Dave Ramsey

September 1, 2011 (The Dave Ramsey Show)

"A foreclosure will count against you for about 3 years, maybe a little bit more, if everything else is squeaky clean and you got a great employment track record then [in] about 3 years you'll be bankable again for a mortgage give or take but it will stay on your bureau for 7 years" Dave Ramsey

February 28, 2011 (The Dave Ramsey Show)

“If you’re not gonna go into debt, Why do you need a FICO Score?” Dave Ramsey

February 14, 2011 (The Dave Ramsey Show)

“There’s only 1 thing that actually repairs credit and that is time, paying your bills on time and letting it heal; after about 3 years of paying your bills on time and you don’t have any negative blemishes for 3 years you’ll still have the stuff on there for a total of 7 years but after about 3 years it won’t count against you hardly at all for most things, including buying a home” Dave Ramsey

January 21, 2011 (The Dave Ramsey Show)

“If you’re gonna live your life in a credit score world, where you worship at the altar of the great FICO as your provider, then you work your butt off and pay a lot of payments all the time” Dave Ramsey