[waterfowl]

Yeah, you shouldn't need credit for anything but a house(or if you're in a REALLY tight situation and need to finance a cheap used car to avoid endangering your livelihood).

People like to trash on Dave because he's religious(and very vocal about it) but I view it like AA/NA/etc(i.e. whether or not you believe the religious part seems to be unrelated to the positive effects of "working the program").

I think he's great.