<prompt> Human: I was recently watching this video from his page on youtube. The question that came to mind is: If you follow his advice and not worship the god of FICO, how exactly do you build credit enough to purchase a house? Dont you need credit to get a decent rate for a mortgage? As he is a proponent for purchasing a home this confuses me. Thanks.  <response>: Dave Ramsays advice is good for people who are already in a lot of debt or cant use credit responsibly. Once you are out of debt and have self control basically everything he says is worthless.However, you can get a bank to manually underwrite your mortgage if you dont have established credit. It is more difficult but still possible. 