01-19-2013 05:56 PM
Basically anything that you're obligated to pay, so things like utilities don't count because you could technically cancel them at any time. They just go by whatever minimum payments appear on your credit report, but you're supposed to also disclose any other obligations you have tha don't appear (like payment arragements for a judgment or tax lien). They won't count your current rent, but they will count whatever the new mortgage payment (including principle, interest, taxes, insurance) will be.
01-20-2013 11:13 AM
01-21-2013 11:28 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.