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

What this episode covers

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 🎒 Back to School Giveaway: 7091 Berry Rd, Suite 2 Accokeek, MD 20607 | August 24, 2025 10am-3pm (while supplies last) Mentioned On Today's Show: **This show is sponsored and brought to you by Dovly AI!** 🌐 Dovly AI: https://anthonyoneal.com/dovly 💰 Wealth Calculator: https://link.anthonyoneal.com/wealthcalculator 💵 MooMoo Investment Account: https://link.anthonyoneal.com/moomoo 🏦 SoFi Savings Account: https://anthonyoneal.com/savings 💲Wealth Builder Tool: https://link.anthonyoneal.com/wealthbuilder 🔗 CONNECT WITH ANTHONY ONEAL Start your journey to financial freedom and legacy building today: 👉 https://www.anthonyoneal.com 🎯 FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbuilder 🧠 Book a FREE 15-minute financial plan: https://www.anthonyoneal.com/getmyplan 📞 CALL IN & BE ON THE SHOW: Have a money question? Call and leave a voicemail for a chance to be featured on the show! 📱 Call: (771)-224-8131 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. 🤝 CHECK OUT MY NETWORK PARTNERS These are trusted tools and services I personally recommend to help you win with money: Better Help (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly MooMoo (Start investing & get 5 FREE sticks today): https://www.anthonyoneal.com/moomoo Affiliate Disclaimer: Some of these links are affiliate links, which means I may earn a commission if you choose to sign up or make a purchase. However, none of these services charge you extra—many actually offer special discounts just for my community! ⚠️ 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. 📲 FOLLOW ANTHONY ON SOCIAL MEDIA Instagram: https://www.instagram.com/anthonyoneal TikTok: https://www.tiktok.com/_anthonyoneal Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy