<prompt> Human: Ive been trying to work the debt snowball plan that Dave Ramsey has laid out. As Im going down this path, Ive been always on the mind set that you can buy a house without credit. Is this true?Talking to a lot of my coworkers and friends that are in financing, Im being told his plan truly doesnt work. One of my friends is a mortgage broker, and he said he only uses manual underwriting if there is a special reasoning, and that Churchill Mortgage that Dave recommends has a very low business rating.I started this journey with my girlfriend and have paid off 3 credit cards, but still have 4k between two cards and a 8k car loan with a credit score of 630. She does not have any debt besides student loans and has an amazing credit score of 700.Should I continue Daves plan, or play the FICO game to get a high credit score? Not looking to buy a home for a couple years I want to be able to afford a 20 down. Any advice is appreciated.EDIT: Thanks everyone for the great advice and input. Its helps to get a sense from other sources on what they do to be successful. Im going to still follow Daves plan, as far as the getting out of debt with the snowball. It seems that closing those three CCs wasnt the smart thing to do. I still have 3 others open, that are carrying balances but will continue to work to pay those off. I just want to be successful and be able to be wealthy when I retire, and it originally seem like Dave was the only option at the time when I started a few months ago. Once again, thanks to everyone who gave their input.  <response>: Dave Ramsey is the AA of personal finances. Its a fantastic system if youre a spendingdebt addict and have an actual problem with reckless spending. If you arent in a deep, dark addiction-type hole, you can take bits and pieces of his advice but to follow it wholesale might not be necessary or in your best interests, financially. 