Valued Contributor
Posts: 1,488
Registered: ‎08-30-2011
Re: Wifes Score Raising Faster Than Mine. Why?

pizzadude wrote:

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! Smiley Embarassed


  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. 

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