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FICO Credit Score – Dave Ramsey Rant


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Robert Dunfee


  1. Unlimited Power
    July 15, 2021 at 7:42 am

    All a FICO Score shows is your ability to pay off money you borrowed.

  2. Victoria Daly-Troiano
    July 15, 2021 at 7:42 am

    Great advice I believe. Thanks

  3. russ01us
    July 15, 2021 at 7:42 am

    You mad bro???? God Bless You!!!!!!!

  4. HardluckHarry
    July 15, 2021 at 7:42 am

    But the corporate world bought into it hook line and sinker. You can even rent an apartment without the score. Even your car insurance is based on that score. Then they even conned how many people to give up their banking information to a better bump in your score!!!!

  5. JOHN migliano
    July 15, 2021 at 7:42 am

    This is some of the worst content Ramsey has ever posted.

  6. John Simon Medenilla
    July 15, 2021 at 7:42 am

    I get that it's counter-intuitive when buying cars but how are you going to finance a house without it? Not everyone can buy house cash.

    July 15, 2021 at 7:42 am


  8. J & T
    July 15, 2021 at 7:42 am

    That's not just 27 year olds, I'm 51, I didn't know this. They dont explain this like you do.
    It ain't stupid Dave, its ignorant

  9. Nyancoin
    July 15, 2021 at 7:42 am

    2:56 overall this is why America is on the decline

  10. Stephen Guetterman
    July 15, 2021 at 7:42 am

    Now I'm motivated to workout

  11. Josh s
    July 15, 2021 at 7:42 am

    Did he say 880 tf

  12. Resplendent Clarity
    July 15, 2021 at 7:42 am

    Stopped in my tracks as I was writing "but what if we want a mortgage?" – Slowly deletes comment and hangs head in shame.

  13. Christopher Holcombe
    July 15, 2021 at 7:42 am

    So if having a high FICO score is "stupid", then having a low (or no) FICO score is "brilliant"? That may be true from his current perspective (with loads on cash on hand), but most folks can't get to his position without working the credit industry. I understand his point, but some of Dave's argument just doesn't add up for most folks…

  14. Mr. Bigglesworth, You Magnificent Bastard !
    July 15, 2021 at 7:42 am

    P.S…dave pushes Church Hill Mortgage..they do have a no credit mortgage, they check your payment history on your cell phone, rent, student loans and so on..they want you to get a 15 year fixed loan with 20%down so a 300k house you need 60k in cash down payment, 150k house is 30k down and so on, no problem huh, and you will be paying the same if not higher note that someone using convential, fha, va, usda, you are still in debt, except with fha, usda you only need 3k or so..hmm, curious why Dave is pushing Church hill?, yes why?

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  17. Gerry Miller
    July 15, 2021 at 7:42 am

    He has a valid point but I do not completely agree. I have a FICO score between 800-850. I created that yes by making foolish decisions in my youth car payments mortgage credit card debt etc… I bought my second house with no issues because of this good credit rating. toady I use credit cards monthly and pay the balances in full earning an additional $80-$120 quarterly via cashback. I do not pay interest outside of mortgage and have one small consolidated debt that is almost paid off which I pay large sums on. My FICO score has been a savings grace.I want to maintain that score if I ever need it. I may buy big purchases on credit and pay them off promptly. He is right but he is alos wrong on this one depending on your needs income and were you stand.

  18. Sin City Quinn
    July 15, 2021 at 7:42 am

    I’ve been saying this for years and everyone always called me crazy.

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    July 15, 2021 at 7:42 am

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    July 15, 2021 at 7:42 am

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  22. Payudas
    July 15, 2021 at 7:42 am

    I have an 820, and haven't paid anything in interest

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    July 15, 2021 at 7:42 am

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  24. Chris Lamson
    July 15, 2021 at 7:42 am

    FICO is the infomercial of the financial world they create a problem you don't have and then try to convince you to buy the solution

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    July 15, 2021 at 7:42 am

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  26. stuna101a
    July 15, 2021 at 7:42 am

    You can't rent an apartment, get a mortgage, get a car, get a loan for medial services, get certain jobs, get car affordable insurance with no credit. Not to mention get a cell phone, certain utilities, co sign for a family member in an emergency. Having a good long credit history is irreplaceable when you need it most.

  27. Donnan Jessie
    July 15, 2021 at 7:42 am

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  28. Luis Sanchez
    July 15, 2021 at 7:42 am

    So if you can buy the whole place why would you want to rent that makes even less sense doesn’t it make more sense to buy something where people pay you instead of you paying someone?

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    July 15, 2021 at 7:42 am

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    July 15, 2021 at 7:42 am

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  31. Lawrence Lawrence
    July 15, 2021 at 7:42 am

    credit cards with $0 annual, buy a pack of gum on each, then pay it off by the due date…good fico for free.

  32. mostmost1
    July 15, 2021 at 7:42 am

    Who has an aunt who CAN give them $10 million dollars or a boss who raises their pay 1million dollars? FICO score is a tool not a measure of success.

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    July 15, 2021 at 7:42 am

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  34. Bill Supan
    July 15, 2021 at 7:42 am

    Good news, my FICO got increased by derickwalker454 on IG my collects are cleared he is very good and legit

  35. Anime Nomad
    July 15, 2021 at 7:42 am

    I listen to Dave but this video is outright stupid. Either he has no sense of the real world or he has tons of cash so he can speak all those false statements. Maximum people who support him are either boomers(which is not wrong in any way) or holistically stupid people who know nothing about finance as they borrow to their eyeballs.
    Comeon Dave how many millenials have millions in their bank and earn zillions a year. Come to real world Dave.
    He knows nothing about credit cards or credit score or the relation between credit score and jobs or renting an apartment.
    Now Dave owns gun and guns are used by terrorists and burglars and such bad people so guns are evil. Right people????
    No, likewise credit cards are not bad. Any blind supporter of Dave change my mind.

  36. Mr. Speyside
    July 15, 2021 at 7:42 am

    FICO is the ball and chain of the financial industry. The dangling carrot that provides false security to the puppets that prop up the system.

  37. boldsign
    July 15, 2021 at 7:42 am

    I hope one day the credit score dies. It's so stupid that it goes down when you have paid your debts.

  38. I Identify as Vaccinated
    July 15, 2021 at 7:42 am

    Play the stupid system charge $1 on every credit card every month on auto pay off. Laugh all the way out the bank.

  39. Walter Palmer
    July 15, 2021 at 7:42 am

    The CC trick is to always pay FULLY the amount on the credit card at month's end no matter what !!
    But Dave's main point has to be appreciated that having a CC makes it easier to purchase something not essential.
    Money is meant to be spent, true, but one must be highly disciplined in saving for your future. (retirement)
    It's called self-reliance !!

  40. Ira
    July 15, 2021 at 7:42 am

    I've built my credit up over 150 points and didnt pay any interest. None. Dont carry a balance. 👌

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    July 15, 2021 at 7:42 am

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    July 15, 2021 at 7:42 am

    My eyes just opened. Thanks 👍🏻

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