I like a lot of what Dave Ramsey has to say and I truly believe that he's helped a lot of people. However, I used to work in finance at a dealership and worked with multiple people who had gone off the deep end with his stuff and now had a zero credit score. I hate the machine, I really do, but the machine says you must have some active credit in your world if you ever do want a loan with the best interest rate available. PSA off.