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. 


“Finding the perfect home!”

Our journey started more than four months age with the nail-biting process of preparing the financials.  Shelly Rex of Certified Credit Experts worked tirelessly with our lender to make sure we were approved for a loan.  Thank you so much!!

Matt and Amanda - NEW HOMEOWNERS!

Our Locations

Lees Summit

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


10300 W Central
Wichita, KS 67212
Phone: (800) 994-3070
Fax: (855) 523-5900

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