Dave Ramsey is America’s trusted voice on money and business. He’s authored seven national best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, Dave Ramsey’s Complete Guide to Money, Smart Money Smart Kids, and The Legacy Journey. The Dave Ramsey Show is heard by more than 12 million listeners each week on more than 575 radio stations and digital outlets.
As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 national best-selling book Smart Money Smart Kids with her dad. Her new book, Love Your Life, Not Theirs, releases October 2016.
A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It's Not an Age; It's a Financial Number, a #1 national best seller. For more than a decade, Chris has served at Ramsey Solutions as a trusted financial coach and Ramsey Personality.
Chris Brown is a nationally syndicated radio talk show host, pastor and dynamic speaker carrying the message of stewardship and intentional living nationwide as a Ramsey Personality. Available on radio stations across the country, Chris Brown's True Stewardship provides biblical solutions and sound advice for questions on life and money. Prior to joining Ramsey Solutions in 2014, Chris spent seven years leading many to Christ while growing churches in North Carolina and Florida. Chris and his wife, Holly, live in Franklin, Tennessee, with their three children.
An inspiring and enthusiastic presenter, Christy Wright has spoken to groups of thousands at corporate events, women's conferences and some of the country's top universities. Christy is also a certified business coach whose direct and genuine presentations cover a range of topics from business and money management to personal development and goal setting.
At age 19, Anthony ONeal was deep in debt and short on hope with no direction of where his life was headed. But after hitting rock bottom, he turned his life around and committed to helping students find and pursue their passions. Since 2003, Anthony ONeal has helped thousands of students succeed with money in their work and personal lives. Now Anthony has joined Ramsey Solutions to spread this encouraging message to students nationwide as a Ramsey Personality.
There are a lot of myths surrounding credit scores and you need to ignore them! A good credit score is not a reflection of your financial health.
I have “thin” credit is how they put it. In otherwords, because I move often (change states) and I don’t have credit cards, it is hard for the credit score companies to rack up good data on me. I have been told repeatedly that I can’t get insurance. Well, I have insurance thru two different companies on two different vehicles. I have the state minimum required because my vehicles are “older”. I have Geico for my 1995 Jeep and National General for my 1986 Blue Bird (self converted school bus/RV). My rates seem to be about the average that others (in debt) pay. So the “highter rates” thing looks to also be a myth. But then, I have noticed that a lot of things that people “say” or “heard” are myths.
I suspect you would get lower overall rates with a ‘multi-car’ discount from one company. I realize that is a separate issue from your point, but it is probably worth looking into.
Very few insurance companies will insure my bus. It’s just one of those things. A School bus is safe enough to haul the kids to school but they feel they aren’t safe when not filled with kids. National General is one of the few who will insure a former schoolbus. And at that they won’t insure if someone lives full time in the converted bus.
I GUARANTEE you the company that insures the bus will insure your other vehicle.
So, how does one not have a credit score after having one forever?
So, how does one purchase a home with no or a low credit score? They can’t. I am a big believer in home ownership for “most” people. I disagree that you don’t need a credit score. As a real estate agent, I feel you cannot even rent a good home without GOOD CREDIT SCORE. Virtually all landlords are pulling FICO scores. You MAY have limited success renting an apartment in a large complex with no credit score, but you will not find many houses that will accept someone with poor or no credit.
You can buy a house without credit, you would just need to save up for a larger down payment. A lot of people don’t like the idea of the work it takes to live without credit because it involves waiting for a lot of the things we want now, but it is possible.
My husband and I are renting a home in a new state (moved out here due to a new job) that we just moved into. We have no credit card debt and our scores are slowly becoming 0. Our landlord wanted to run our credit score but we told him our situation and he became super happy to give us the keys as soon as we told him that we were willing to pay the entire lease term upfront plus a pet deposit and the security deposit. So you can rent without a credit score. Note: we are also building our new home, we are planning on putting down 20% and getting a 15- year mortgage. Again, with little to 0 credit score.