 TITLE: How Can You Reduce Your Debt-to-Income Ratio? CONTENT: Putting Your Best Application Forward\n-------------------------------------\nIf you're planning to apply for credit in the near future, it pays to understand your DTI and do what you can to optimize it. It's also a great time to review your free credit score and report, so when you're ready to present your information to lenders, your profile is one they can happily approve. END