<prompt> Human: So I heard that having zero debt is better than having a reasonable credit score. Dave Ramseys teaching say to just pay in cash and budget properly, but whats actually better, 0 credit or good credit score?  <response>: Do you go to Alcoholics Anonymous for advice on good brands of beer to drink? Dont go to debtors anonymous for advice on debit, their view is going to be modified by the people they talk to day in and day out. 