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A consumerâs credit history is not the only thing that is checked by the lenders when considering the application of a lender but it is one of the two most important things. Another important factor that they consider is the debt to income ratio of an individual. To put it simply, this is how much an individual is earning placed against the amount of debt that a consumer has. If a person is earning a lot for example, but if he also owes a lot that almost nothing is left from his monthly earnings because it all goes to debt payments, then the high income is negated in some way. That and the personâs credit standing are the important factors considered when a consumer applies for a loan. [link widoczny dla zalogowanych] We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy.
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