Credit and Credit Scores: A short lesson

[James Boston]

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Who gives a crap about your credit score? Pay cash for all, live without debt, and you're set. This is one of the craziest thongs out there. Being concerned about your credit score so you can be in debt forever.

Anyone heard of Dave Ramsey?

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Yes, I've heard of him, and even he is an advocate of having a good credit score. He's also aware that the vast majority of people can't pay cash for a house, and therefore need a mortgage.