I'd just keep your Dart and get 250K miles out of it.
CKN said:I know a couple with a zero credit score thanks to Dave Ramsey, they can't buy their first house.
I call it the "Dave Ramsey predicament".[/quote
"Thanks to Dave Ramsey"? You have to be kidding? Like it's his fault they don't have credit? Aren't they adults don't they know how to make their own choices? Wow...... And I get the idea of owe no debt it makes sense however I would think if one was going to finance a house and had no credit they would spend a year or so saving money for a big down payment and having one credit card to responsibly build credit....... I'd think most adults would understand that logic. But clearly not all I suppose.
You clearly do not understand. Dave Ramsey deals in absolutes-as do his followers. It's no credit cards PERIOD. There is not any financing of automobiles, etc.
It's absolutely forbidden-and you end up as a "GHOST". That's the term banks and other financing institutions use for those without a FICO score. Then you go to buy a house and financing is through a bank with a very high interest rate-or a "hard money" lender.