Well the memorial day car sales are really starting to tempt me. I'm really thinking about getting my BMW X-5 or a Volvo XC90. I'm curious about what kind of ratios are used though. First of all, the total debt ratio and the specific payment ratio. Like your payment can't be more than 10% of your income or a total of 30% for all your bills. That kind of thing. Also, when I refi'd I had a score of 679. Probably went down a bit from that inquiry too. What tier is that considered?????
