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Knowledgebase Home | Favorites | Forum Welcome to our knowledge base. To find what you're after, use the search box below or choose a category to view listed articles. Search the Knowledgebase Browse by Category [Advanced Search] -- Select Category -- Credit MythbustersLoans    - Personal Loans    - Auto Loans    - Home Loans    - Student LoansCredit CardsCredit Reports and ScoresCredit Report CardIdentity TheftDebt HelpConsumer Law Guide    - College Cost Reduction and Access Act    - Credit Card Accountability Responsibility and Disclosure Act (CARD Act)     - Credit Repair Organizations Act (CROA)    - Equal Credit Opportunity Act (ECOA)    - Fair and Accurate Credit Transactions Act (FACTA)    - Fair Credit Reporting Act (FCRA)    - Fair Debt Collection Practices Act    - Overdraft Rules for Debit and ATM CardsCustomer Support The article has been updated successfully. Knowledgebase Home > Credit Reports and Scores Does FICO scoring take into account my income or my debt to income ratio as part of the score? Article Details Last Updated 6th of November, 2009 Would you like to... Discuss Print this page Email this page Post a comment Subscribe me Add to favorites Remove Highlighting Edit this Article Quick Edit Export to PDF User Opinions (2 votes) 50% 50% How would you rate this answer? Helpful Not helpful Help us improve. Why was this unhelpful? Thank you for rating this answer. No, it doesn’t. Anything that is not on your credit reports, such as your income or your debt-to-income ratio, does not count in your FICO scores. Your income does not reflect your credit worthiness, your credit risk, or whether or not you will make your payments. You could make a million dollars a year and that wouldn’t help your credit report one bit. Conversely, you could make $12,000 a year and it wouldn’t hurt your score one bit. It's how you manage your credit that matters. Read about the five criteria that make up your credit scores. Not sure where you stand? Check your credit reports and scores online today! Related Articles What is a back end ratio? What is a front end ratio? What is a debt to income ratio? What are qualifying ratios? Does everybody have a FICO credit score? Continue