Ken Coleman

You see my point?

I know it's an extreme example, but you can't say, well, everybody around me now, here's the deal.

We understand that.

And that's why Jade just walked you through very meticulously why we don't think a credit score matters.

So now you have to go, okay.

And I understand your reaction.

You were kind of like, okay, that's all well and good, but everyone in my life's going to go, you need to do that.

So let's talk about the next step, Jade, which is how she saves up for a car.

Caitlin, would you like to pay cash for a car?

If you had the money saved up, how would that feel?

amazing because that's actually the way that i was always raised because my dad never even had a credit score up until i was over the age of 20 and i'm now 27 right so this is possible so now the question becomes not how do i get my credit score in a place where i can buy a car well if you're not going to finance the car the credit score doesn't matter last car the car i'm driving right now i bought it from a local dealer cash and i walked in literally with cash

And guess what they never asked me for?

They never said to me, well, Mr. Coleman, what is your credit score?

Because the minute I said I'm paying cash and I have it in a little briefcase here and I got an envelope and I'm literally what I'm offering you with this car is this amount of money.

The guy, first of all, was stunned and it took him a second to make sure he heard me correctly.

And then he went, all right, sir.

Yes.

There was no credit score conversation.

It's fast.

So, Caitlin, we're trying to reset your... True north.