Dave Ramsey has repeatedly stated that building credit is not necessary, disputing the common belief that having a good credit score is required to secure housing or loans.
Ramsey emphasized that many landlords and lenders are willing to work with individuals who lack a credit history, often proving that it’s possible to rent an apartment or secure a loan without one.
While it’s feasible to live without a credit score, Ramsey acknowledges that having good credit can provide benefits, making certain transactions and financial processes easier.
Ramsey's perspective challenges the notion that a credit history is indispensable, urging individuals to rethink their reliance on credit scores.
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