Dave Ramsey Was Wrong? The New Reality of Credit Scores in 2025
The Table with Anthony ONeal
The Neatness Network
4.9 • 2K Ratings
🗓️ 18 August 2025
⏱️ 35 minutes
🧾️ Download transcript
Summary
On this episode of The Table with Anthony ONeal, I’m keeping it real about something I never thought I’d say, I’ve changed my mind about credit. For years, I told you: cut up the credit cards, no debt, no credit, period. And while I still believe debt can be dangerous, I’ve learned that having no credit history at all can also limit your opportunities. Today, I’m breaking down why my perspective has shifted, how to approach credit wisely, and how you can use it as a tool without falling into the trap.
In this episode, you’ll discover:
Why my stance on credit has evolved
The hidden drawbacks of having no credit history
How to use credit wisely without falling into debt
🎒 Back to School Giveaway: 7091 Berry Rd, Suite 2 Accokeek, MD 20607 | August 24, 2025 10am-3pm (while supplies last)
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ABOUT ANTHONY ONEAL
Anthony Oneal is a nationally bestselling author, speaker, and host of The Table. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he’s helped millions of people get out of debt, build wealth, and break generational poverty.
His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy—without relying on credit cards or student loans.
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This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.
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Transcript
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| 0:00.0 | I know back to school shopping will have some of you all stressed about money, but here's the thing. |
| 0:05.0 | On Sunday, August 24th, we're about to bless hundreds of families. |
| 0:10.0 | My personal barber, way to shop, Barber Shop, and A.O. Enterprise, myself, are giving away free fresh haircuts for kids. |
| 0:18.0 | I said it free. Also, backpacks filled with school supplies, free food |
| 0:23.4 | provided by flavor to food truck, bounce houses, live DJ, and so much more with a grand |
| 0:29.1 | prize of laptops. Now these are going to go fast. Things are first come first served. And so on Sunday |
| 0:35.2 | from 10 a.m. 3 p.m. at way two shop barbershop off of 7091 bearer road |
| 0:40.9 | and akik, Maryland, I want you there and I want to be real with you. Your kids deserve to walk |
| 0:48.2 | into the classroom filling like the kings and the queens they are. Don't let them start unprepared when we're |
| 0:56.4 | literally handing out for free everything they need to get started. We want to help you. We |
| 1:02.4 | want to be a blessing. So bring your kids, tell your friends and family, and let's show up |
| 1:07.4 | as a community on August 24th. Let's have some fun. |
| 1:11.1 | Let's get some fresh haircuts |
| 1:12.6 | and start this school year off correct. |
| 1:14.9 | I see you all August 24th at 10 a.m. to 3 p.m. |
| 1:18.6 | Check the show notes for the address again. |
| 1:20.8 | God bless. |
| 1:23.0 | It's 2025. |
| 1:25.3 | And the last four, I would say going on five years now, has been transformational for me. |
| 1:34.3 | The last four years, man, from being out of my own, from growing, evolving, and maturing from being back in school. |
| 1:45.0 | For those of you all who are just new to this, man, |
| 1:47.0 | you know, I've had the opportunity to go back to school |
... |
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