If my cards are all at a $0 balance, will they use a 0 for that part of the DTI calculation or will they assume the "minimum payment" for that? If I were the Queen of the World, I would count the minimum payments even if balances were 0, but I wasn't sure if that's how it really is.
Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)
