36 Comments

  1. The Ramsey Show - Highlights
    July 17, 2021 at 2:48 pm

    Get life-changing financial advice anytime, anywhere. Subscribe today: https://www.youtube.com/c/TheDaveRamseyShow?sub_confirmation=1

  2. MrOccyc
    July 17, 2021 at 2:48 pm

    Who cares about a FICO score? Pay the dang loan off and put the money in your own pocket.

  3. Juan Garcia
    July 17, 2021 at 2:48 pm

    how do I call the show to ask a questions?

  4. Mr Allan
    July 17, 2021 at 2:48 pm

    This guy is worse than Suzie O… if they got together, everyone would be living off their parents forever. Out of touch with the real world… stuck in the 80's financial advice wise.

  5. Freddie Hall
    July 17, 2021 at 2:48 pm

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  6. Freddie Hall
    July 17, 2021 at 2:48 pm

    Thanks so much SolutionXHack ) for saving me and my kids life from being here in Texas. I've been moving from one motel to another for shelter.i got 2 eviction in my report and few collections that brought my scores so low…I tried Lexington law and different credit repairs yet changed, all they did was taking my money and wasted alot of time. Not until a Realtor referred me to this elite honest and amazing repair team and I reached out to them through their email contact which is Fixxhackxspy @gmail .com .. few minutes after, I got a response and after meeting their demands, my scores was raised to 805 in a short period of time and also my eviction and collections was removed in a short period of time ..SolutionX made my dream come true and I recommend to everyone who need the help in their life…

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    July 17, 2021 at 2:48 pm

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    July 17, 2021 at 2:48 pm

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  11. kira jane
    July 17, 2021 at 2:48 pm

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  13. MR. LEE
    July 17, 2021 at 2:48 pm

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    July 17, 2021 at 2:48 pm

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  15. Isabella Kate Garcia
    July 17, 2021 at 2:48 pm

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  16. Karelyn Rosa
    July 17, 2021 at 2:48 pm

    But how could someone quality for a mortgage? Don’t lenders frown upon people paying it off too soon?

  17. Mercedes Jutsine
    July 17, 2021 at 2:48 pm

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  18. Luckytime
    July 17, 2021 at 2:48 pm

    "They don't share the algorithm with anybody because people would game it then." And THAT right there is why the world sucks. We're all playing a game and we don't even know the rules.

  19. Kirsty Hill
    July 17, 2021 at 2:48 pm

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  20. Anne Mason
    July 17, 2021 at 2:48 pm

    I don’t have much to say. Just in case you need help regarding your credit score, I know a specialist that can help called ( SOLUTIONX ), I’m a living witness of his good job because he has helped me before and I was able to acquire my house through his help. You can message him privately through mail which is –    {  s o l u t i o n x catalyst @ g m a i l  ○ c o m } , I don’t mind giving you details on how I went about it and direct you to the specialist if necessary. I’m sorry I can’t drop the specialist’s contact here for some reasons including that of security reason

  21. Emily Eleanor
    July 17, 2021 at 2:48 pm

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  22. Jomh
    July 17, 2021 at 2:48 pm

    I have paid my stuff on time and my credit drop of 67 point what the benefits op paying my car on time

  23. R J
    July 17, 2021 at 2:48 pm

    So i have about 3k left on my car payment and youre saying my score will drop??

  24. Dylan Crosby
    July 17, 2021 at 2:48 pm

    Just lost 63 points for paying off the new siding for our house. Smh, this credit stuff is just evil in the way it works.

  25. Terence H
    July 17, 2021 at 2:48 pm

    Bad advice. He is likely to pay a higher interest rate on a home if paying off his car drives down his FICO score. He should keep the car account open until he buys his home. It doesn't make sense to pay the car off because he has the capital to pay it off at any time. SMH.

  26. Menum Lor
    July 17, 2021 at 2:48 pm

    For those that are wondering.

    I paid my 10 year student loan debt off in 6 years. my credit score went down 32 points.
    Because I was under contract (so to speak) and didn't meet my Obligation of 10 years and instead paid in 6yrs.
    The DUMB part about it, the banks see it as you "over delivered and under promised" They want you to stretch out your payments so you can lose more unnecessary amounts of money.
    The only way that I know to fix it is talk to your creditor to renegotiate your loan to pay more in less time. It's not likely to happen but doable.

    Pay more in less time and take a credit score hit
    or
    Make late payments, interest rates go and the banks make more money off you.
    You can't win between the two evils. Unfortunately, the person playing the game we need to pick so might as well pick between the lesser of the two evils.

  27. Rawkfist1501
    July 17, 2021 at 2:48 pm

    It’s hilarious how many people comment on Dave’s pages saying “I just pay off my credit card every month and get about $500 in rewards just paying on things I need”
    That’s spending tens of thousands of dollars on “things like gas” lol yeah ok. I’ve experienced it, credit cards enable you to trick yourself into buying large things you can’t actually afford. Even if you pay it off are you really ahead? Living ahead of your paycheck doesn’t get you ahead. I promise you

  28. Arctic Rest
    July 17, 2021 at 2:48 pm

    Who already knew Dave's answer before watching the video! LOL

  29. Cerebral Caustic
    July 17, 2021 at 2:48 pm

    FICO has some of the most brilliant marketing people in the universe. they've taken a math equation that used to be known only to bankers in calculating loans, and have convinced 99% of Americans that it's 100% essential to their lives.

  30. Ian K
    July 17, 2021 at 2:48 pm

    So I don’t I’m understand. Paying off your car loan early will ruin your score and Ramsey is okay with this?

  31. ConservativeJerk
    July 17, 2021 at 2:48 pm

    When I paid off my Jeep early, my FICO score dropped at least 50-60pts, but it went up again over where it was previously a couple months later.

  32. Chris Firmingham
    July 17, 2021 at 2:48 pm

    Why pay it off sooner if you were approved for a loan for the car at 3% for a 20k vehicle and obviously got gap insurance which is highly recommended. if you pay it off sooner its not like your saving to begin with since your only going to be out at best 900.00 over a 6 year loan.. your better off putting that money into something that will make you money, plus if you get into an accident and you paid it off in half the time now your gap will go to waste. Please correct me if i am wrong

  33. Hot4 Teacherz
    July 17, 2021 at 2:48 pm

    Dave doesn’t know about credit. He knows about bankruptcy tho

  34. Ebony Gray
    July 17, 2021 at 2:48 pm

    I wouldn't care if my credit dipped to the ice cream zone. I got a new car at a crazy IR paying it off soon as possible 16000 at 348 for 84 months. I wish I would

  35. MrJimmy3459
    July 17, 2021 at 2:48 pm

    Who cares about your credit score, when you are going to save $400-500 a month

  36. Kay
    July 17, 2021 at 2:48 pm

    I would like Dave’s Opinion on stocks today, with the virus out, stocks are crashing hard, and wondering if we should pull out?