Live from the headquarters of Ramsey Solutions, broadcasting from the Pods,

moving and storage studio. This is the Ramsey Show where we talk about your

life, specifically your money, your work, your relationships. It is a free

phone call to jump in. Triple 8, 825, 225. I'm Ken Coleman, George Campbell,

join me this hour and we are here for you. We're having a good time, but we're

going to give you some practical advice so that you can get where you want to

be. To cover that gap from where you are to where you want to be, whether that

be in your money, your professional life or in your personal life. So we're so

excited that you've joined us. Let's get to it. We got North of the border.

Border, Winnipeg, Canada. George, can you name the name of the NHL franchise in

Winnipeg? Boy, I'm guessing it has something to do with maple leaves. No, good

call. That would be Toronto. Winnipeg jets. There we go. J is there. J, how can we help?

Hi guys, thanks for taking my call. You bet, J. What's up? So I declared

bankruptcy about three years ago after our combination of the lunches,

stupid decisions my late teens and early 20s. My question is now that I'm a

couple years back from discharge and I've been focusing on saving and you know

doing all the right things and not taking on any any data after that. I'm

curious as to the best way to improve my credit rating with TransUnion and

ECLFACS given the bankruptcy without taking on a bunch of dumb debt products. I

know the conventional wisdom is go get a crappy 20% loan and just make sure you

make all your payments. But that doesn't feel like something you guys would suggest

me to do. So I curious about your opinions on that. Well, you know, we don't get

...