'My FICO Score Is Zero,' Says Dave Ramsey. He 'Can't Rent An Apartment,' But Can Buy The Whole Apartment Complex

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Dave Ramsey is often unapologetic when it comes to the credit industry. In last year’s talk about his signature “7 Baby Steps,” the personal finance expert made one thing unmistakable: you don’t need a credit card, a car lease, or a high credit score to build wealth.

Why Your Credit Score Doesn’t Mean You’re Winning