'It Didn't Work,' Says Dave Ramsey Caller Who Paid Off All Debt —Now She's Got A 'Zero' Credit Score And Can't Even Get A 'Silly' Credit Card

Dave Ramsey's listeners don't usually call "The Ramsey Show" to complain that his advice failed them. But Marsha from San Antonio broke that pattern when she dialed in with a bold declaration: "We followed your University course… we paid off our house, we paid off our car," she said. "And I went to get a silly charge card on TV, a shopping card, and we found out our credit score is zero. Our credit score was really, really low." It wasn't the victory lap Ramsey expected. Marsha believed she'd done everythi ...