Take 25: How to Keep a Good Credit Score Without Being in Debt

Written by on October 9, 2017


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Hello everyone! Welcome to Take 25: How to Keep a Good Credit Score Without Being in Debt

Can you have a good credit score without being in debt? Most people preach that to maintain a good credit score you must have a few credit cards. You also need a couple of loans that are reported to the credit bureaus.

It is also known that to keep a good credit score you should always pay your bills on time. But what if you don’t want to have any debt? Is it still possible to have a good credit score?

I haven’t used a credit card in the last two years, own my car outright, and have no open lines of credit other than my mortgage. So, I started to wonder… Does this mean that I might have a bad credit score?

Well, out of curiosity I decided to check. It is an understatement to say that I was SO SHOCKED by what I found! As a result, I went on a rant that became Take 25 of my podcast.

In this Episode

  • I open to you about what shows up in my credit report
  • Share what my credit score is as of October of 2017
  • Explain why I think the whole credit score system is nothing than a trap to encourage and reward people to stay in debt
  • Encourage you to ask the right questions and to rethink the reasons why you should, or not, care about your credit score
  • Review the difference between caring about your credit history and credit report

I also want to send a big shout out to all the listeners tuning in now from 53 countries. Thank you guys, you are amazing!

If you want to see where the listeners are tuning in from, make sure to check out this interactive map of One Take Podcast listeners that I built.

Resources Mentioned

Special Mention

I want to send a HUGE shout out to my friend Mayra Alejandra who just started her Smart Money podcast. She is a financial coach undergoing training by Dave Ramsey Solutions.

Check out her blog and podcast:

 Contact Me


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How to keep a good credit score without being in debt



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