Understanding FICO® Scoring

[compassion101]

Does debt to income affect your score at all? I'm thinking there is no place in your score that records any sort of income info so it wouldn't. I guess the CCCs ask for income when you apply but they don't seem to verify income for personal accounts generally (except maybe AMEX).

Question stems from a few posts I saw saying that high util not only affects util but also affects DTI which will drop your score. 

[Crashem]

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compassion101 wrote:

Does debt to income affect your score at all? I'm thinking there is no place in your score that records any sort of income info so it wouldn't. I guess the CCCs ask for income when you apply but they don't seem to verify income for personal accounts generally (except maybe AMEX).

Question stems from a few posts I saw saying that high util not only affects util but also affects DTI which will drop your score. 

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Nothing in fico beyond util effects. Remember fico only one part of approval. Dti is another.

[cassembler]

Yeah, two different things.

Income has nothing to do with FICO; FICO really only sees credit accounts (more or less). Lenders use DTI to factor in income, and is all about, "Can this person make the payment they're applying for."

[Roarmeister]

Your income is not directly reflected in your score.  It is used by CCCs to verify your income and determine CLs but is not reported on your credit report.  However, if you are going for a loan or mortgage the lender will need to know your income so that they can calculate your debt to gross income ratio which will ultimately determine how much you can borrow.  The credit score is only one factor in the lender's determination of whether they will lend to you.  A credit score is a snap shot in time of your probability of paying your loan and it does not reflect your personal financial health.