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It's exactly what he recommends. Paying off and closing all credit accounts and using cash/check/debit to pay for everything.
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Read my post above and click the link.
Also in the same post of mine you quoted, I asked what if you unexpectedly get divorced or your spouse dies. What then?
We obviously aren't going to convince you otherwise so good luck.
If you are interested in an alternative perspective, consider reading
this link.
If you do read the link, read the comments too. The writer agrees with Dave Ramsey on a lot of things. He just disagrees with him on his thoughts on credit scores. The comments have a post by someone who is a "certified" instructor for Dave Ramsey and he also disagrees with Dave Ramsey on credit scores.
This quote is from the last part of this article........
"While I’m certainly not saying that all the advice that he gives is bad, the advice he gives regarding credit scores sucks.
Finally, if you don’t like my analysis and want to see what Dave Ramsey has to say, think about getting a copy of his book The Total Money Makeover. The book is an combination of educational handbook, inspirational coaching guide and self study manual. It has sold something like 5 million copies – so its a good example of his best work."
Remember, Dave Ramsey is a millionaire probably many times over. What works for him may not work 100% for normal income people. His comments on debt for most people are spot on though.
Good luck in your search for a non-existent credit score.