[Terry L Smith]

I’m the guy they hate.
I use no credit cards.
I pay cash, only.
I owe no loans.
So, why worry about a method to control you, if they have no hooks on you??

[Buckeye McFrog]

Dave Ramsey: “All your FICA score is is a record of how well you kiss a*s to the banks.”

[Ken H]

"Terry L Smith HAS no FICO score."