Dave Ramsey's listeners don't usually call "The Ramsey Show" to complain that his advice failed them. But Marsha from San Antonio broke that pattern when she dialed in with a bold declaration: "We followed your University course… we paid off our house, we paid off our car," she said. "And I went to get a silly charge card on TV, a shopping card, and we found out our credit score is zero. Our credit score was really, really low." It wasn't the victory lap Ramsey expected. Marsha believed she'd done everythi ...

信用体系建设现状 - 2020年美国约有700万成年人被视为“信用隐形人” 约占人口的2.7% 这意味着他们没有足够的信用历史来生成信用评分[1] - 缺乏信用历史会阻碍个人进行必要的金融活动 例如获得贷款或购买汽车[1] 建立信用的有效工具 - 担保信用卡可通过存入可退还的押金（如200美元或500美元）来设定信用额度 通过小额消费并每月全额还款来建立负责任的还款历史[4] - 信用建设贷款由银行或信用合作社协助将小额贷款金额锁定在储蓄账户中 用户进行固定月供 还清后即可取回资金 还款记录将显示在信用报告中[4] - 授权用户身份允许用户被家人或朋友添加为现有信用卡的授权用户 从而受益于主卡人的良好还款记录 而无需承担主要责任[4] 信用建设的关键原则 - 选择何种工具不如如何使用工具重要 信用本质上是衡量个人如何处理责任的标准[3] - 需避免将获得首张信用卡的批准误解为已取得进展 这仅是开始与贷款机构及自身建立声誉的第一步[3][4]