This is the Ramsey Call of the Day, part of the Ramsey Network.

Today's question comes from Jim in Arizona.

Due to a recent divorce, my credit was ruined and retirement wiped out.

I've been able to start restoring my score currently at 640. I want to get my

credit back up to over 700 so I can buy another home. I have $3,000 in debt on a vehicle payment

and I'm paying off medical debt now under $2,000. I want to do the baby steps, but I need the

debt to rebuild credit to buy a new home. Where do I start?

Well, George, you would be homeless. Yeah, 100%. This is a very interesting scenario.

I'm glad you're not homeless, George. Me too. How can you get a home without a credit score, Dave?

Have you ever talked about this in 30 years? The best example I can think of is, you! You did it!

How did you do that, George?

I did it. Well, it's a fancy process called manual underwriting. It's very old-timey.

They look at your real financial life, like your income.

Like to see if you can actually pay the payments and stuff.

Just like that.

Oh, man, that's wicked.

And you have to send in a few utility bills say, hey, look, I pay things on time.

I'm reliable.

You can trust me.

And then they go, okay, here's a mortgage.

And a lot of people, you know, I've got some flack because we did an episode on the credit score called The Dirty Truth Behind Your Credit Score.

And one of the things we...

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