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Discussion in 'Credit Talk' started by Skyler, Sep 27, 2000.
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You must have some outstanding monthly payments. your debt to income ratio is a ratio of what you pay monthly to what you gross monthly. For example, if you had $100 worth of monthly debt payments, and you grossed $1000 per month, then your debt to income ratio would be 10%. (100/1000 = 0.1 or 10%)
Your credit score is made up of a few components:
Your payment history - how have you paid your existing debt obligations? do you have collections or judgements?, etc.
How much do you owe - for revolving credit this also includes the ratio of your balances to your limits, i.e. Are your balances near the limit.
Length of history - If your history is short, you are a bigger credit risk because they don't have enough info on which to base their decision
Recent credit - how much new credit or recent inquiries do you have?
Types of credit - Do you have all store cards, all revolving lines, all installment loans, etc.
For more info on the credit score, go to www.fairisaac.com, and choose the "Demystifying FICO" link.
Read "me"'s post. It's good info.
A 590 FICO score is not good. Good scores bgin about 625. You are a candidate for subprime loans (like Chevron). Don't apply for so much credit in a short amount of time.