Dave Ramsey Says a Person’s Credit Score Is Not a Measure of Winning Financially — Here’s Why (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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e)&&("SpeechGrammarList"in e||"webkitSpeechGrammarList"in e)}}],d=0;d0){var n=e.speechResult.charAt(e.speechResult.length-1);"."!==n&&"?"!==n&&"。"!==n&&"?"!==n||(e.speechResult=e.speechResult.slice(0,-1))}},o.prototype.sendBeacon=function(n,t){var o=e.YAHOO.ULT||{},i=e.YAHOO.SB||{};if(o.beacon_click){var r={_S:i.config.i13n.spaceid,_I:i.config.i13n.pvid,actn:n,sec:"search",slk:t};e.YAHOO.ULT.beacon_click(r)}},o.prototype.ajaxReq=function(t,o){var i,r,a=XMLHttpRequest.DONE||4,s=new XMLHttpRequest;if(n.documentMode&&n.documentMode<10)return(new e.XDomainRequest).onload=function(){try{r=JSON.parse(i),o(r)}catch(e){return}},s.open("GET",t),void s.send();s.onreadystatechange=function(){if(s.readyState===a)if(200===s.status){i=s.responseText;try{r=JSON.parse(i),o(r)}catch(e){return}}else o(r)},s.open("GET",t,!0),s.timeout=1e4,s.send()},e.YAHOO||(e.YAHOO={}),e.YAHOO.Util||(e.YAHOO.Util={}),e.YAHOO.Util.VoiceSearch=o}(window,document)}();var Wn={containerClass:Un.tooltip,textClass:Un.tooltip__text,showClass:Un["tooltip--show"]},Jn=["zh-hant-tw","zh-hant-hk"];ye("ybar-mod-searchbox",(function(e){var n={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Un["sa-btn-bar"])),voiceSearchBtn:document.getElementById("ybar-sbq-voice"),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Un["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Un["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Un["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x")};!function(e,n){var t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),Fn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    Dave Ramsey Says a Person’s Credit Score Is Not a Measure of Winning Financially — Here’s Why (2024)

    FAQs

    Dave Ramsey Says a Person’s Credit Score Is Not a Measure of Winning Financially — Here’s Why? ›

    Hear me clearly on this: The credit score is NOT a measure of winning financially. It is 100% based on debt. The credit, or FICO, score is simply an "I love debt" rating. No part of the credit score calculation even hints at how much wealth you have.

    What does Dave Ramsey say about credit scores? ›

    It is possible to live life without a credit score, which is exactly what Dave recommends. But that doesn't mean you should trash your credit to lower it! Just start paying off your debt, close your credit accounts once they're paid off, and don't take on any new debt.

    Are credit scores an indication of wealth Why or why not? ›

    Credit scores don't take into account your assets like savings, investments, real estate or personal property. Someone with a high credit score, for example, may still have limited wealth if they haven't accumulated assets over time.

    Is a FICO score not an indicator that you are with money? ›

    Explanation: A FICO score is not an indicator that you are irresponsible with money. A FICO score is a numerical representation of an individual's creditworthiness, with factors such as payment history and credit utilization influencing the score.

    Why do you think people believe a credit score is a good measure of financial health? ›

    Knowing that, why do you think so many people believe a credit score is a good measure of financial health? Because it is so common for society to have debt, people see your credit score as something common as well since it pertains to debt only.

    Does Dave Ramsey believe in good debt? ›

    Dave Ramsey is not a fan of debt. In fact, the finance guru believes that borrowing money is always dumb. But, while Ramsey may have a case that certain kinds of loans or credit cards can get you in trouble, viewing all debt as bad is simply not a sound approach to making financial decisions.

    Do millionaires have credit scores? ›

    With a higher income, they're more easily able to pay down debt and make payments on time, boosting their scores. In general, millionaires tend to have very good to excellent credit. As a result, millionaires benefit from their credit scores in the form of credit card rewards.

    Why is a high credit score not an indication you are winning with money? ›

    No part of the credit score calculation even hints at how much wealth you have. All a credit score represents is your relationship with debt. It's based on how many times you've borrowed money and paid it back, so you could borrow more money and pay that back, and continue to dive deeper and deeper into debt.

    Does your credit score tell you your financial health? ›

    Your financial well-being as a whole takes into account many factors such as your income, investments, assets, credit score and more. While your credit score is often a helpful tool to determine your creditworthiness, it does not necessarily indicate your ability (or inability) to manage your finances or accrue wealth.

    Which credit scores actually matter? ›

    FICO scores are generally known to be the most widely used by lenders. But the credit-scoring model used may vary by lender. While FICO Score 8 is the most common, mortgage lenders might use FICO Score 2, 4 or 5. Auto lenders often use one of the FICO Auto Scores.

    What is your most powerful wealth-building tool? ›

    “Your most powerful wealth-building tool is your income. And when you spend your whole life sending loan payments to banks and credit card companies, you end up with less money to save and invest for your future.

    What are the three things not included in a FICO score? ›

    FICO scores consider a wide range of information on your credit report. However, they do not consider: Your race, color, religion, national origin, sex and marital status.

    What credit score is needed to buy a house? ›

    The minimum credit score needed for most mortgages is typically around 620. However, government-backed mortgages like Federal Housing Administration (FHA) loans typically have lower credit requirements than conventional fixed-rate loans and adjustable-rate mortgages (ARMs).

    What are three strategies that can help you get out of debt? ›

    Let's take a closer look at three of the most commonly used methods for getting out of debt and what each entails.
    • Debt snowball method. The snowball method is suggested by the CFPB as one of two basic strategies for paying off debts. ...
    • Debt avalanche method. ...
    • Debt consolidation method.

    Is it bad to just pay the minimum on your credit card? ›

    Interest charges add up: Typically, credit companies will charge you high interest rates on unpaid balances. If you only pay the minimum each month, the interest charges can snowball. The additional interest and any other fees are added on to your balance and can increase a lot over time.

    What hurts your credit score? ›

    Making debt payments on time every month benefits your credit scores more than any other single factor—and just one payment made 30 days late can do significant harm to your scores. An account sent to collections, a foreclosure or a bankruptcy can have even deeper, longer-lasting consequences.

    What is the 15 3 rule for credit score? ›

    What is the 15/3 rule? The 15/3 rule, a trending credit card repayment method, suggests paying your credit card bill in two payments—both 15 days and 3 days before your payment due date. Proponents say it helps raise credit scores more quickly, but there's no real proof.

    What is the #1 rule to maintain a good credit score? ›

    Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You don't need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best scores.

    What factors affect a credit score Dave Ramsey? ›

    Your credit score is comprised of five key things, according to FICO, Ramsey explained:
    • Payment history — 35%
    • Amounts owed — 30%
    • Length of credit history — 15%
    • New credit — 10%
    • Credit mix — 10%
    Dec 31, 2023

    Why is Dave Ramsey anti-credit card? ›

    Terms may apply to offers listed on this page. Dave Ramsey doesn't think credit card points are worth it because you may spend more with credit cards. Ramsey also believes that you are likely to get into debt if you use credit cards. The reality is that rewards are well worth it if you use credit cards responsibly.

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