The Challenges Of Living Without A Credit Score - Dave Ramsey Rant


  1. E D

    E DHari Yang lalu

    This is your BEST show EVER !!!

  2. Natalie Soh

    Natalie Soh2 hari yang lalu

    Iโ€™ve CUT ALL MY CREDIT CARDS!!!! On baby step 2!!

  3. WendyCinderea

    WendyCinderea5 hari yang lalu

    You canโ€™t rent a car in canada without a credit card or check luggage fees at the airport . So why not a small limit one 300$

  4. WendyCinderea

    WendyCinderea5 hari yang lalu

    As an international student from a different country things were tough without credit ๐Ÿ˜ฉ๐Ÿ˜ฉ. So I would have a credit score and use when i need that staying here for years without having one. So many things i couldnโ€™t do. If i intend to get a mortgage in Canada itโ€™s impossible so i maintain my small limit

  5. Fragmentz

    Fragmentz7 hari yang lalu

    Thing is, you can build your credit score without going into Debt.

  6. Sophia Smith

    Sophia Smith9 hari yang lalu

    NO UPFRONT PAYMENT!! Stark Brian {Whatsapp: +1(201)201-1042 or starkbrian5@gmailcom} is simply the best. Just got $45,000 Secure Funds Transfer and Credit Repair with Increased Credit Score (450 - 820) and Credit Limit ($1800 - $5000). Exclusively for USA and Canada citizens. It was worth it.

  7. Johnny Dupuis

    Johnny Dupuis9 hari yang lalu

    I've been out of the credit game for 10 years. Feels like freedom.

  8. Ethan Paul Lamora

    Ethan Paul Lamora9 hari yang lalu

    I have a pretty good credit score, and I've only paid Interest on a car financing that I got when I first turned 18, other than than that I've never paid Interest. YOU DO NOT NEED TO PAY TONS OF INTEREST TO HAVE A GOOD CREDIT. I love Dave Ramsey, but he's wrong A LOT

  9. Ethan Paul Lamora

    Ethan Paul Lamora9 hari yang lalu

    Check out Graham Stephens videos on credit cards and you can see how to have good credit, pay no interest, and even make money off of it

  10. _ David _

    _ David _10 hari yang lalu


  11. jjcelica1126

    jjcelica112612 hari yang lalu

    Well..yeah You dont need the use of a credit card or no credit score is because you have the money in the bank account..

  12. Diesel D

    Diesel D13 hari yang lalu

    I use a cash back and rewards credit card instead of a debit card. Iโ€™ve never been a penny in debt or carried a monthly balance. Automatic FULL payments setup monthly and even the thought of missing one is terrifying. I donโ€™t look at it is credit, because Iโ€™ll never miss a full payment. Unfortunately most people are idiots with CCs.

  13. Christof L

    Christof L13 hari yang lalu

    This guy is great for unsophisticated people but not having a credit score or credit cards is stupid for anyone who isn't wealthy. It's even stupid for wealthy people. Many many millionaires got rich by credit and debt. Check out Ray Reynolds and his videos on building credit/corporate credit right here on youtube and learn info that can turn your life around quick.

  14. Rafael Gonzalez

    Rafael Gonzalez13 hari yang lalu

    you are missing a tons of airline miles for free travel.

  15. Gunny Sauce

    Gunny Sauce14 hari yang lalu

    Didint know people actually use a credit card as there main spending card

  16. Taquavia Holmes

    Taquavia Holmes17 hari yang lalu

    How about getting an apartment

  17. Mike King

    Mike King17 hari yang lalu

    As a person with an average of a 780 credit score my entire life, I have finally learned that your credit score means nothing to lenders anymore. They only want to lend to people that dont need the money to begine with.

  18. Mike King

    Mike King17 hari yang lalu

    We use strait talk. No contracts and zero problem! No credit needed.

  19. D Mal

    D Mal17 hari yang lalu

    Many cell phone companies will let you buy the phone outright and have a pay-as-you-go plan. 2. You can rent a car with a debit card, they just want a deposit which they give back. 3. If you have a big down payment then most banks will not turn you down, but save 20% of the loan. 4. Just have money in lieu of credit

  20. Nathan Wells

    Nathan Wells17 hari yang lalu

    So why do companies require a minimum credit score such as churchhill etc. in order to apply for one? Makes no sense.

  21. Jenna G.

    Jenna G.18 hari yang lalu

    Try buying a house with no credit score though. For real. Much more difficult.

  22. Crazy Confenenation Conformer

    Crazy Confenenation Conformer18 hari yang lalu

    How would you buy a hotel room without a credit card.

  23. J_Smitty

    J_Smitty17 hari yang lalu

    Cash ๐Ÿคฃ๐Ÿคฃ you must have been born in the 90s

  24. Jeffrey Richardson

    Jeffrey Richardson19 hari yang lalu

    lauries farmers sink look at the three mice theyre pink why the missing link

  25. Jeffrey Richardson

    Jeffrey Richardson19 hari yang lalu

    paying bills on time lauries cool zinfindel wine incestuous line

  26. Jeffrey Richardson

    Jeffrey Richardson19 hari yang lalu


  27. Lisa Luscan

    Lisa Luscan19 hari yang lalu

    I love that you have a handgun carry permit in your wallet. I cut up my credit cards but I havenโ€™t closed the accounts yet. I have a mortgage on a rental property that has a prepayment penalty for the first 3 years. I plan to refinance that mortgage at the end of the three years to a 15 year mortgage with a better interest rate (currently 7.05%) so I feel I need to keep my excellent credit score a couple more years.

  28. Jesse Mulliniks

    Jesse Mulliniks19 hari yang lalu

    Make all the right choices in your twenties, build CASH, eliminate debt, and invest. Your 30s and 40s will be a breeze and youโ€™ll be a millionaire before you know it.

  29. Rohan Boswell

    Rohan Boswell20 hari yang lalu

    Hi im normally great saver when i lived in jamaica i have debit card from walmartmoneynetwork because thats the card walmart pays me with..i have child support so i only get between $300 to $600 maximum a month.....i have a robin hood app that i wanted to link my debit card to...but it is not question what bank would u recommend me joining ? I wont have more than 30 to 70 bucks in....after bills any advice

  30. swisstrader

    swisstrader20 hari yang lalu

    Had a perfect credit score for most of my adult life. Then business went bust and credit score dropped like a rock. I care less in my later years abt scores but still makes life easier.

  31. Latoya Rhodes

    Latoya Rhodes21 hari yang lalu

    Sunday Sermon, preach it!

  32. Target Time

    Target Time22 hari yang lalu

    Thank you for carrying and for your help and advice given daily.

  33. Tess Peng

    Tess Peng24 hari yang lalu

    Hey, Dave. Thanks a lot for saying " I don't want to be normal". HAHAHA... I always think I am different from the boring majority. And I don't and won't be like those "normal" but be me.

  34. R L

    R L24 hari yang lalu

    You need a credit card to rent a car and get free insurance. Also, disputes favor the card holder better with a credit card vs debit card. Also some cards give you double warranty on purchases!!!

  35. R L

    R L22 hari yang lalu

    @1985mgraber for disputes, credit card companies favor card holders better than banks do with debit cards

  36. 1985mgraber

    1985mgraber22 hari yang lalu

    My own insurance covers it. You don't need an actual credit card is all I'm saying.

  37. R L

    R L22 hari yang lalu

    @1985mgraber But you dont get the insurance coverage credit card companies provide!!!!

  38. 1985mgraber

    1985mgraber22 hari yang lalu

    You can rent a car with just a debit card. I've done it a bunch, considering how many accidents my ex wife decided do get into in a years time.

  39. Matilda Maher

    Matilda Maher27 hari yang lalu

    Brother Dave you speak the truth and one day they will thank you.

  40. Simon Bell

    Simon Bell29 hari yang lalu

    *WHAT ARE THE CHALLENGES OF LIVING WITHOUT A CREDIT SCORE!* 1) *RENT* -I had plenty of money but they wouldn't give me my first apartment because I didn't have enough credit history nor renting history 2) *BUYING A HOUSE* - the average person doesn't have $200,000 + in their account to buy a house. And instead of paying rent where your money goes nowhere, it's better to cut it out and put that money into a house. Nowadays rent is just as expensive as a mortgage. 3) *INTEREST RATE ON A HOUSE* - the higher your credit score is, the less you'll get on the mortgage rate. Overall saving even more money 3) *JOBS* - there are jobs out there that won't even hire you if you have a low credit score, so imagine if you had none. The lack of credit score can cost you a job 4) *CAR INSURANCE* - some car insurance (I don't know about all of them) can be affected by your credit score. The higher you have, the less you pay

  41. DeVan Helmoski

    DeVan HelmoskiBulan Yang lalu

    Every cellphone sales repโ€™s dream is Dave Ramsey coming in and saying he wants 90 lines.

  42. Skimama

    SkimamaBulan Yang lalu

    You'll pay A LOT more every month for car insurance if you don't have a credit score. It's not fair, but it"s true. What is the MINIMUM credit activity you have to perform in order to avoid a zero score? (My score is 820 and I have no debt. ) I just don't want to pay any more thsn I have to!

  43. HereIsWisdom 1318

    HereIsWisdom 1318Bulan Yang lalu

    I always say: who cares what your credit score is if you have $100,000 in the bank that you donโ€™t ever have to touch.

  44. deadbolt9019

    deadbolt9019Bulan Yang lalu

    i get who he is talking to but he is talking to the two ends of the spectrum. 1) He is wealthy AND most importantly he already owns his home(s). 2) People with zero self control who finance with credit cards. I've utilized credit cards for thousands in rewards running all business and personal expenses through it. I've NEVER paid credit card interest. I get all the free perks and let people who are in debt to pay for it. Pretty nice system!

  45. James Brewer

    James BrewerBulan Yang lalu

    First you tube comment Iโ€™ve ever left. Love what you do Dave. Keep fighting the good fight!

  46. Gamaken

    GamakenBulan Yang lalu

    Everything uses credit.

  47. Trevon Cam

    Trevon CamBulan Yang lalu

    How about simply paying the full credit balance on the due date? We arenโ€™t all idiots that over spend just because itโ€™s going to a credit. With the credit card you can benefit from rewards and avoids the extra bs that comes with not having a credit score

  48. Bob

    BobBulan Yang lalu

    Truth be told. I just found out that I have no credit and haven't been more happy in my life.

  49. William Hollin

    William HollinBulan Yang lalu

    There's great prepaid phones out there with lower rates and equal coverage. Get an older model phone for cheap. That solves that problem

  50. Frankie Calizan

    Frankie CalizanBulan Yang lalu

    I bet he has at least one โ˜๐Ÿพ credit card for sure

  51. Frankie Calizan

    Frankie CalizanBulan Yang lalu

    moreay36 live your life and be thankful with what u have right now donโ€™t worry about the future we all have problems some with money some with others thing life is not perfect ๐Ÿ‘Œ๐Ÿพ

  52. Frankie Calizan

    Frankie CalizanBulan Yang lalu

    moreay36 well if u live in the jungle whatโ€™s wrong with credit cards ? Why people are so afraid about them lol ๐Ÿ˜‚

  53. Bob

    BobBulan Yang lalu

    Not necessarily.

  54. No One

    No OneBulan Yang lalu

    I mean dont you have to have a credit score to get a house, i dont have 200k sitting around tbh

  55. TheChromelover

    TheChromeloverBulan Yang lalu

    What is in your wallet?

  56. spirals 73

    spirals 73Bulan Yang lalu

    If you have debt you're still paying off then a good score* can help you. If you have debt and a bad score then you get nothing. *totally possible to have both.

  57. Steve E

    Steve EBulan Yang lalu

    Credit card will give you 2-5% discount on every purchase with zero downside if you pay it off every month. Plus having a good credit score, as Ramsey admits, helps you save money in a lot of situations.

  58. Harry Grace

    Harry GraceBulan Yang lalu

    687 Fools gave this great informational video a thumbs down. Morons. After Watching this video I donโ€™t care about raising my Fico score.

  59. Stephen Johnson

    Stephen JohnsonBulan Yang lalu

    What about marrying some one with a bad credit score.


    I AM AN OVERCOMERBulan Yang lalu

    By 19 , kids start @ 10 with cellphone. Why ,no idea.

  61. Noe Munoz

    Noe Munoz2 bulan yang lalu

    Credit cards don't mean you go into debt.

  62. RegularGuy Channel

    RegularGuy Channel2 bulan yang lalu

    Get a credit card or three when youโ€™re 18 and 19 to build credit. Always pay them off at the end of the month completely. Itโ€™s a necessary evil in our world. Itโ€™s not realistic to not have credit especially if youโ€™re poor. It will be too hard to get an apartment and a mortgage. After that you can stop the credit cards if you want.

  63. fat pancakes

    fat pancakes2 bulan yang lalu

    You don't have to borrow money to buy a car at the bottom of it's depreciation. If your spending money to get a credit score you're doing credit wrong.

  64. kbrigsby61

    kbrigsby612 bulan yang lalu

    'Wesley G.W.' (below) said it BEST! "I call it a debt-score; NOT a credit-score." Yehhhh That's the ticket!! Also, for me..., this was, THE BEST commentary of his which, i have seen. Kudos!!! I, agree with ALL that he said, here!!!

  65. swisstrader

    swisstrader2 bulan yang lalu

    Super insights here. I have no cc...only debit cards. Doesnโ€™t affect me in the least. My FICO score got hammered because my family business went bust. It barely effects my life now.

  66. swisstrader

    swisstrader2 bulan yang lalu

    Car rental without a debit card very tough these days

  67. QueenStylin

    QueenStylin2 bulan yang lalu

    He is right about renters. Only reason I got the apartment I've alway wanted because I can pay my bills. When I had a decent credit score. Could barely get an apartment or keep up with rent because of my debt. Not anymore! ๐Ÿ˜Š

  68. random kid

    random kid2 bulan yang lalu

    Without credit you will pay more in rent, have a higher interest rate on your mortgage, and have a much tougher time getting a place to rent or buy.

  69. Ricshy Ray

    Ricshy Ray3 jam yang lalu

    Idc i plan on buying cash.

  70. random kid

    random kidBulan Yang lalu

    @Bob My point is that you are limited to renting from landlords that don't require credit. I'm not saying you can't get a nice place for a good price. I'm saying that it is harder. I am also saying that there could be an even better apartment for the same price, or a cheaper one that is just as nice, but requires a credit score.

  71. Bob

    BobBulan Yang lalu

    Not necessarily. I have no credit and pay the same amount in rent, if not less, than my neighbors.

  72. whiskers78753

    whiskers787532 bulan yang lalu

    Where I live two property management companies manage 80% - 90% of all apartments and they want to see a FICO score and criminal background. If I didn't have a score I would have to jump through hoops to get them to rent to me. The thing Dave doesn't understand is that they have to do this in order to avoid being accused of discrimination. Same with mortgages, if they reject certain applicants they can just point to the automated underwriting (a computer program decided, not a person). Traveling and renting a car without a credit card is also a hassle. Just get a credit card and have the discipline to pay it off at the end of the month.

  73. ferich2001

    ferich20012 bulan yang lalu

    If you have a good job, then they will rent to you. You'll just have to pay a higher deposit amount.

  74. merritt McDowell

    merritt McDowell2 bulan yang lalu

    Don't forget utilities as well

  75. natesw0rld

    natesw0rld2 bulan yang lalu

    I love you Dave