Watch Dave explain why he only endorses the best and most ethical companies.

“Credit scores are based on how much debt you have, not on how well you handle money. So, debt-free people like me don’t even have a credit score,” said Ramsey. “eCredable gives insurance companies, mortgage companies, banks, utilities, and other companies an alternative to the credit score for qualifying customers. The eCredable rating shows them just how well debt-free people handle their money, and it proves that they’ll be fantastic customers!”