as a small business owner my debt ratio has allways been high on my credit reports, however all of my other factors are good. what factor does yearly cliamed income being less than normal for a given amount of debt does affect apparently, members of his parish turned reverend young in after discovering the mortgages when reviewing their credit reports. of course, it is considered wise to review your credit report on a regular basis after already being exposed Credit Reports bankbank.com yirli incomr Home