The Importance of Balancing Your Debt to Credit Ratio

For example, if you have a total credit limit of $10,000 and $2,000 in credit card debt, your debt-to-credit ratio is 20%. Meanwhile, if your friend has $50,000 in available credit and owes $5,000.

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This balance is the "debt" portion of your debt-to-credit ratio. Your debt-to-credit ratio can be expressed as a percentage. If you owe $100 on a card with a $1,000 limit, you have a 10% debt.

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3 Smart Ways to Reduce your Debt-to-Income Ratio Quickly Posted by Chris on October 28, 2015 If you’re thinking about refinancing your mortgage, it’s important to understand your credit profile and how to make it as appealing to a lender as possible.

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Credit. a higher ratio of credit card debt to income. With Americans struggling so mightily to pay off their debts, what.

Your credit score is a product of a number of different factors, and your debt to credit ratio figures prominently in the mix. The ratio gives lenders a picture of how you manage the repayments on your existing credit accounts and loans, and your ability to handle a new repayment obligation.

It’s important to note that your credit utilization ratio is influenced almost entirely by your revolving credit card debt. The amount of credit you’re using on other types of loans makes very.

Next, divide your monthly debt payments by your monthly gross income-your income before taxes are deducted-to get your ratio. (Your ratio is often multiplied by 100 to show it as a percentage.) For example, if you pay $400 on credit cards, $200 on car loans and $1,400 in rent, your total monthly debt commitment is $2,000.

So even if you are paying off your balance over time, it’s still important to consider your debt to credit ratio and how it can affect your credit score. How to Manage Your Level of Debt Obviously, taking control of your long-term debt is vital to managing your debt to credit ratio.

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