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Dave Ramsey Was Wrong? The New Reality of Credit Scores in 2025

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…

The skinny

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