Debt-to-Income Ratio has NO impact on your credit score. Salaries are generally not reported to Credit Rporting Agencies and are not including as part of the credit score calculation. It is a common mistake to mention Debt-to-Income Ratio as a credit score factor, but I am suprised to see this error in a document preparared by a lender. I know Debt-to-Income Ratio impacts credit worthiness for big-ticket items, such as home and automobile purchases, but it is an error to claim that it impacts credit scores (like FICO Score). Balance/Debt-to-Available Credit Ratio IS a factor in credit scores, though, and is often confused with Debt-to-Income Ratio. These two are not the same thing. Debt-to-Income is the amount you owe compared to the amount you earn. Balance/Debt-to-Available Credit Ratio is the amount you owe (you balalnces) compared to the amount you still have available to charge (your available credit). For more detailed information about credit, please see: http://www.scribd.com/doc/989135/How-...