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00, email ms firstedfcu.com Debt-to-income ratio important as credit score The good news is, getting this number doesn't cost you a penny, and it can be calculated in just a few minutes at your kitchen table. It's true that nitty-gritty details can make a difference, but you can get a fairly accurate understanding of your financial picture by spending just a minute or two calculating your debt-to-income ratio. By knowing the ratio -- and how to improve it -- you can increase your chances of get.

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