Comments on: What does the credit to debt ratio on your credit report mean? http://www.topcreditresources.com/credit-report/what-does-the-credit-to-debt-ratio-on-your-credit-report-mean Tools and information about Credit, Loans, and Debt Sat, 21 Jan 2012 13:12:59 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Dixie Darlin' http://www.topcreditresources.com/credit-report/what-does-the-credit-to-debt-ratio-on-your-credit-report-mean/comment-page-1#comment-1528 Dixie Darlin' Thu, 04 Mar 2010 03:53:59 +0000 http://www.topcreditresources.com/credit-report/what-does-the-credit-to-debt-ratio-on-your-credit-report-mean#comment-1528 Debt Used divided by Available Credit = Debt Load Example: $2,500 of debt charged to a credit card with a limit of $5,000 $2,500/$5,000 = a debt to credit ratio of 50% $10,000 of credit card debt with total available limits of $10,000 (means you are maxed out on all your cards!) = $10,000/$10,000 = 100% debt to credit ratio If you have 0 debt then your debt to available credit ratio is excellent.<br><b>References : </b><br> Debt Used divided by Available Credit = Debt Load

Example:
$2,500 of debt charged to a credit card
with a limit of $5,000

$2,500/$5,000 = a debt to credit ratio of 50%

$10,000 of credit card debt with total available limits of $10,000 (means you are maxed out on all your cards!)

= $10,000/$10,000 = 100% debt to credit ratio

If you have 0 debt then your debt to available credit ratio is excellent.
References :

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