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The Ramsey Show Highlights

I'm Scared To Go Without a Credit Score

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Investing, Business

4.6682 Ratings

🗓️ 1 April 2021

⏱️ 5 minutes

🧾️ Download transcript

Summary

The Ramsey Call of the Day is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Chris Hogan, Christy Wright, Anthony ONeal, and Dr. John Delony. Part of the Ramsey Network. Delivered to you five days a week. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

It's Thursday, and this is the Ramsey Call of the Day.

0:03.8

Part of the Ramsey Network.

0:06.4

Joining me today is Ramsey Personality, Dr. John Deloney.

0:11.2

Shea's in Houston. Hi, Shea. Welcome to the Ramsey Show.

0:15.0

Hello. Can y'all hear me?

0:17.5

Sure. What's up?

0:19.1

Okay. Hey, Dave. So glad to finally meet you.

0:21.7

Okay.

0:22.4

So my question is I'm 30 years old.

0:25.8

I started your plan in 2017, single mother of two kids.

0:31.1

By trade, I'm an RN.

0:32.5

And so in 2020, I went to Zell intent, took advantage of the COVID thing, quit working full-time, started travel nursing.

0:41.1

So my income went from 85 to almost $300,000 last year.

0:47.1

I grew up super, I grew up super freaking poor.

0:53.2

Like, and it's just me and my boys, you know, left the toxic family

0:56.6

environment, yada, yada.

0:58.3

So anyways, I have been hoarding money because I was scared that crap, you know, like, if I pay this

1:06.7

off, my credit score is going to go down.

1:08.7

So basically, I started out with almost $83,000 worth of debt, and I have $42,000 left, and

1:15.8

it's only student loans left to pay.

1:18.1

Well, when I paid my car off, my credit score went down.

1:22.4

Good.

...

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