Financial personality Anthony O'Neal is challenging mentor Dave Ramsey‘s famous “zero credit” rule. After a decade of preaching it, O'Neal now believes that having no credit history is too great a liability in 2025. His evolved philosophy states that a carefully managed, high credit score — achieved without consumer debt — is a critical tool for unlocking financial opportunities and building wealth. "My mind has shifted. My mind has evolved," O'Neal said on his Youtube show, "The Table With AO," in Aug ...