Credit Cards Center Credit cards from our partners
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007

Re: What's your total CL to HH income ratio on just credit cards? (no disclosure needed)

My total CL/HHI ratio = <0.2
My highest sinlge CL/HHI ratio = <0.1
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Frequent Contributor
Posts: 381
Registered: ‎09-26-2007

Re: What's your total CL to HH income ratio on just credit cards? (no disclosure needed)

(Borrowed from haulingthescoreup)

my personal CL's / personal income = 0.97 (not including AU card)
my personal CL's / HHI = 0.43
DH + my CL's / HHI = 0.82

single card = .29

I believe the trend is based on how the credit is used rather than HHI. PIF every month regardless of utilization is what I've seen consistently raise CLs.

Hello, my name is, "PenguinGeek," and it's been 9 months since my last cc app and my score is now 34 points higher than when I app'd.
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007

Re: What's your total CL to HH income ratio on just credit cards? (no disclosure needed)

I'm so embarrassed, I want to go back to bed and pull the covers over my head. I threw out a totally outlandish figure, on that simple mathematical calculation. It should have been: 0.255, based on my total CL's and my annual income. Another grey moment(now where did I put that Clairol hair color)
"Never ever, ever be late. Never" (FUTR)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.