FRANKLIN, TN - Dave Ramsey is facing a massive scandal after his wife Sharon reported catching the "Total Money Makeover" author and debt-free living advocate looking at illicit images of credit card applications online.

Ramsey was reportedly ogling an American Express platinum card ad touting low, low interest rates when his wife walked into his office and caught him in the act. She later checked his browser history and confirmed that it was not an isolated incident.

"I found a lot of indecent material on his computer," Sharon said. "There were ads from Visa, Mastercard, Discover, you name it. You hear about other people getting seduced by these smutty online sites, but you never think it will hit your own husband!"

An apologetic Ramsey says he's ashamed that he let his addiction go this long without seeking help. "There's no easy way to put this, but I've fallen into sin," Ramsey told his radio audience. "These despicable acts of credit lust are not reflective of the person I want to be. I'm going to work hard every day to rid myself of this vulgarity."  

Ramsey said he will be entering into a treatment program for his credit addiction which includes working with an accountability partner to keep his credit score pure. He's also given his wife full access to his computer, as well as to all three of his credit reports. "I just hope that Sharon can forgive me one day," he said.