Daniel Rosen explains why a higher credit score doesn't guarantee loan approval. Lenders care more about debt-to-income ratio, which shows if you can actually afford the payment today. An 800 credit score won't help if your DTI is too high.
Why did your credit score go up, but you still got denied? It's not because the credit repair failed. It's because of one number that most credit heroes have never even heard of. It's the number that lenders actually use to say yes or no. Your credit score tells the lender how reliable has this person paid their debts in the past. But your debt-to-income ratio, your DTI, it tells the lender, can this person actually afford to take on Another payment right now. It's the number that the lenders quietly live and die by. It's the number that almost nobody in credit repair is talking about. And here's the kicker: you can have an 800 credit score and you can still get denied if your DTI is too high. So if you've ever had a client who got denied even though their score went up, the credit repair did work, but the lender wasn't only looking at the score, they They were looking at the DTI and that number never moved. See, the score gets you noticed, but the DTI, that gets you approved. Mm-hmm.
