Re: Wifes Score Raising Faster Than Mine. Why?
05-26-2013 08:10 AM
Just to clarify, FICO scoring does not consider either your income or your DTI. Neither of those factors are included in FICO scoring.
Your available credit vs credit limits ( utilization ) is considered, but not income.
Thanks for the clarification...I stand corrected!
I was thinking more along the lines of credit granting rather than the actual FICO scoring process; that lenders may look at those things, whereas FICO doesn't.
EX = 818 EQ = 823 TU = 822 as of 07/15