Credit scores

Your credit score , debt to income ratio is just a tool upon which someone can reject another . You can be denied a job because of bad credit score . You can be denied a security clearance because of a bad c.s.. You can be denied a mortage for the same reason. BUT, you can get all the credit cards you want . You can even lie on the application and get c.r."s. I worked hard and smart most of my life to be free of debt . Bad move on my part . Went to get a home equity line of credit on my house which I have $300,000 full equity in. They denied me 10% of the value ,( that's $30,00) because of some crazy rules . 10% is a very, very safe investment for the bank but no dice . Moral : Don't own property , don't work hard , max out credit cards , file bandrupcy , don't have insurance , start over .