<prompt> Human: During my junior year of high school, I took a dual enrollment class. For Southeastern that had personal finance as a class. The experience was great in terms of having to learn control your flow and attitude with money and how your supposed to deal with it. One of the rules Dave Ramsey set on was to have not to posses a credit card nor a credit scoreAlthough some pondering after that semester, I wonder if having credit means you are able to have things faster than not having credit in the first place. The problems is not me trusting credit. The problem is that if I were to take a loan for a house would I be at all be trusted by banks and realtor companies. My question is: Does Credit get you the neccessary things faster than having to fill out a form for you not having one in the first place.  <response>: Credit is a tool, much like a bandsaw. You can make awesome furniture, or cut off your hand. Dave Ramsey gives great advice for people deeply in debt-- theyve shown in many cases that they lack the ability to be responsible with credit. That said, he overstates how easy it is to get through lifes transactions without having credit. If you have no credit, you can expect: To have to put down a deposit for a cell phone contract. To pay a larger security deposit than normal when renting a home. To have a lot of fun negotiating a mortgage. To struggle in your 20s with cashflow issues. For instance, every time you put gas in a vehicle, a temp-hold for 75-100 will be placed on your account for a few days. This means youre not going to be able to use touch that money until the hold expires.Get a credit card, use it responsibly, and youll be set. 