Dave Ramsey believes that a high credit score does not equate to financial success, asserting that reliance on debt can mislead one's financial health.
Ramsey argues that individuals can thrive without good credit by avoiding debt, suggesting traditional underwriting as an option for significant loans like mortgages.
The credit system rewards those who take on more debt, which can skew perceptions of financial responsibility and actual financial health.
While Ramsey emphasizes the importance of debt avoidance, it's misleading to disregard credit scores entirely, as they can reflect other financial habits.
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