A strong credit score can take years to build and months to destroy. For one young woman, the damage started at 20 years old, when she says her mother “guilt-tripped” her into co-signing a car loan. By 26, she was staring at roughly $20,000 in debt tied to two repossessed vehicles and trying to figure out how to move forward with her new husband. A Costly Family Decision The caller, Arly, shared her story on “The Ramsey Show” with hosts Jade Warshaw and George Kamel. She said that at 20 or 21, she had ...