Senior Contributor
Posts: 3,070
Registered: ‎11-02-2009
Re: DTI appears high, but fiancé pays half of mortgage...

Remember, an auto loan is not necessarily like a mortgage loan where they always use the lower mid-score.  Some lenders will take the highest score of the two applicants.  Not sure why you are considering not having your fiance on the loan, but if it is because of credit issues, it may not matter, and it may be a good way for her to get a positive tradeline.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

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