A Division of Addleman Law Firm

Manage Your Debt Ratio

Debt Ratio Management

What is a debt ratio? Debt ratio is the difference between the amount of debt you have charged versus the amount of money the credit card has authorized for you to use, which is also known as a credit limit. The difference between the two factors is your debt ratio. This can also be referred to as revolving credit (from a credit card you have available. If your credit limit is 2,000 dollars and you have charged 1,000 on the card, your debt ratio is 50%

30% of your FICO score is determined by debt ratio. Debt ratio accounts for second highest factor creditor agencies take into account when looking into your credit.

Debt ratio management can have an impact on your score, but unlike payment history, not everyone knows how to use debt ratio to benefit their credit. 


“I have referred several customers to work with Tim. Each of them has come back to me to tell me what a great experience it was for them. He has not only made promises to help people but has delivered and gone beyond the expectations of those I've sent to him. It is my pleasure to endorse Tim.” October 14, 2011

Jeff Boomgarden

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Lees Summit

255 NW Blue Pkwy #200
Lee’s Summit, MO 64063 Phone: (816) 994-4600
Fax: 855-523-5900


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Wichita, KS 67212
Phone: (800) 994-3070
Fax: (855) 523-5900

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