Debt. Income. Clarity.

Understanding Your Full Credit Picture

Your credit score is important—but it’s only part of the story.

To truly understand your financial health, you need to look at how your income and debt work together. That’s where your debt-to-income ratio (DTI) comes in.

What Is Debt-to-Income (DTI)?

DTI is the percentage of your monthly income that goes toward paying debt, including:

  • Car loans
  • Credit cards
  • Student loans
  • Mortgage or rent

In simple terms: it shows how much of your income is already committed—and how much flexibility you have left.

Why It Matters

Your DTI can impact:

  • Loan approvals
  • The offers you qualify for
  • Your monthly budget and financial stress

Lower DTI means more financial flexibility.

See It All at a Glance

Understanding your DTI doesn’t have to be complicated.
View a simple breakdown here!

What Is a “Good” DTI?

  • Below 36%: Healthy
  • 37%–43%: Manageable
  • Above 43%: May need improvement

Knowing where you stand helps you plan your next steps.

How to Improve Your DTI

  • Pay down high-interest debt
  • Avoid taking on new debt
  • Look for ways to increase income
  • Consider refinancing to lower payments

Small changes can make a big difference over time.

Get the Full Picture with LPCCU

With Credit Sense, you can:

  • View your full credit report
  • Monitor changes in real time
  • Explore personalized insights
  • Track your DTI in one place

Because when you understand your full picture, you can make more confident financial decisions.

Take the Next Step

Your financial journey starts with clarity.

Log in to Home Banking and access Credit Sense today.