FYI - they're called Predators not animals. Animals isn't scary enough, duh. And goddamn Dave Ramsey for helping stupid poor people figure out how to maintain decent credit so they can get more at a reasonable cost if they want. $10!!! what a Predator.
Ramsey doesn't tell people how to get decent credit. He tells people how to live without credit.
As reference above, the only time I ever heard that guy tell someone that it was okay to have credit was when a guy started talking about buying a house. And then, Ramsey said that you should only do it if you had 20% to put down on it.
Yeah, like everyone, especially those in their mid-20's to early-30's, has $20-$40K lying around somewhere. Especially after we've spent all of our life savings buying our used mini-van with cash.
Suck it up, pay the 3% interest on your car, and put down $50 bucks a month for PMI so you can have some cash lying around and start building equity earlier. People should learn how to use credit and not avoid it. It's called 'living in the 21st century'.