Consumers should not be concerned with credit scores, aiming for a zero score instead.

“well Josh and I are not super concerned on our credit scores in fact some people would argue well you should be concerned because what if you want to go run a place so Josh what if you have a zero credit card score but you want to go rent a place”

Credit scores are irrelevant for people who stay out of debt.

“your credit score is literally irrelevant in that situation you shouldn't worry about your credit score”