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 of having no credit history

How to use credit wisely without falling into debt

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ABOUT ANTHONY ONEAL

Anthony Oneal is a nationally bestselling author, speaker, and host of The Table. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he’s helped millions of people get out of debt, build wealth, and break generational poverty.

His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy—without relying on credit cards or student loans.

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⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

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