 TITLE: What Is an Ideal Debt-to-Income Ratio? CONTENT: Does Debt-to-Income Ratio Affect Your Credit Score?\n---------------------------------------------------\nDTI ratio has no effect on your credit score: Credit scoring systems such as the FICO® Score☉ and VantageScore® calculate credit scores using your history of credit usage and repayment as compiled in credit reports at the national credit bureaus (Experian, TransUnion and Equifax). Because the bureaus do not track your income, credit scoring software cannot calculate DTI ratios or factor them into your scores.\nDebt, of course, influences both your DTI ratio and your credit score. Among the debt-related factors that influence credit scores are:\n*   Overall outstanding debt\n*   Credit mix—the number and variety of loans and credit accounts you're managing\n*   Credit utilization—the percentage of your credit card borrowing limits represented by your outstanding credit card balances\n*   Payment history—how consistently you've kept up with your debt payments, making them on time and paying them in full each month END