Dave Ramsey

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Zach is with us in Colorado Springs.

Hi, Zach.

How are you?

Better than I deserve.

What's up?

Everything that we've seen, they do not publish this, but everything that we've seen in 6 to 12 months of the time you had zero activity on any account, your credit score will disappear.

Yeah.

Well, if you have settled them, if they're not outstanding, there should be no more activity on the account once it's settled.

Right?

Well, that's why you can't make a guarantee.

I mean, if you have something pop up, then the whole clock starts over, dude.