John E asked: I have good credit but because I got laid off work my ratio is over .50.

JodiMarie asked: My credit is not so great, but my debt ratio is 6%. I’m paying on one vehicle and have applied for another. What do they look at mostly? Its the same credit bureau where i have my other financing but this time i have no co signer, except my husband. his credit is [...]

Rona9 asked: Do credit bureaus look at the total amount your borrow from all your credit card to calculate your debt ratio? Is it better to borrow equally from all your credit cards or have one maxed out and others untouched or not?

kevin408 asked: I would like to know when people talk about the 30% debt to credit ratio, do they mean the debt at the end of the billing period, or do they mean 30% at anytime. I’ve gone well over 30% once or twice, but I’ve paid it off completely and was wondering. Thanks!

jimjones3 asked: For example, I have 10 credit cards. Is the FICO score impacted by the total debt vs total credit limit? Or….Is it an average made up of the individual cards?

jen asked: I have read 50% some places and something like 30% other places… What is good? I mean if I have $1000 limit on a credit card, I should keep my balance below ___ amount?

mcz06c asked: Let’s say I have a card with a 10,000 limit that currently does not have a balance but I had maxed it out to 10,000 in a one time event. When computing my debt/credit ratio, will it be 0 or 100%? Basically, is it instantaneous or historical highs used to determine debt/credit when [...]

cnoel912 asked: The only available credit that is listed on my credit report is my student loan. The current balance of the student loan is $23,500 and it started at $25,000, so my debt to credit ratio is 92%! I keep getting denied by credit card companies because of this high ratio (they state this [...]

danielleyoung1 asked: I was looking over my credit report and found my dcr. This report doesn’t have my score so I was wondering my dcr was decent. What should it be? Thanks:) Also, is there a certain number of inquries you should stay under?

Corsica2147 asked: Hi I have 2 credit cards. 1 with WellsFargo with 3000 limit and have 1700 debt and USBANK with 4000 limit with 2500 debt. I am a new graduate landed with a descent job. I was wondering if pay off both of my cc debts would be better or pay until both cards [...]