Debt-To-Income Ratio Calculator

Debt-to-Income Ratio Calculator

Your debt-to-income ratio (DTI), along with your credit history, is a key factor in lending decisions.
A DTI below 20% is considered excellent.

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Manage your DTI: Check out our guide to lowering your debt or
26 ways to make more money.


Frequently Asked Questions

What is Uptrend Credit?

Uptrend Credit is an innovative platform that provides credit reporting services in a user-friendly and easy-to-understand format. Uptrend Credit uses the school system as a guide in its credit reporting services.

What is a credit grade?

A credit grade summarises your entire credit report information into a letter depending on what credit score you have got. For example, an ‘A’ credit grade refers to having a high/very good credit score and an ‘F’ grade refers to a poor credit score. By comparing this information to the patterns in thousands of past credit reports, credit grading identifies your level of credit risk. Your grade tells a lender how likely you are to repay a loan, or make credit payments on time. Having an A grade, the better chance you have of getting the credit you apply for.

How is my credit grade calculated?

Credit grading generally looks at how late your payments were, how much was owed, how recently, and how often you missed a payment. This grading is calculated by a mathematical equation that evaluates many sorts of data points (score factors) from your credit report at that exact credit-reporting agency. There are five specific factors that come in how your score is calculated.

  • Payment History reflects whether or not you create payments on time on each of your accounts.
  • Credit Utilization covers the available credit you’ve used. If possible, keep on with 30% or less of your total available credit.
  • Credit Age shows how long you’ve had credit, and how old each of your accounts is.
  • Credit Mix covers the types of revolving and fixed-payment credit accounts you hold.
  • Credit Inquiries illustrate how many times you’ve applied for a brand new credit in the last few months or years. New credit applications make up 10% of your credit score.
How is my credit grade used?

Credit grade (credit score)  is one of the main tools creditors, employers, insurance and finance companies rely on to determine your creditworthiness. Your grade is a quick snapshot that is often used when credit decisions are made quickly. Creditors may also obtain your full credit report (card), to access more detailed information to aid their decision on your level of risk.

How to obtain my credit report card?

o acquire daily monitoring of your credit report that you are entitled to under federal law, you must go to At this website address, you can get your credit report from all three credit reporting agencies – Experian, Equifax, and TransUnion. Our service makes your personal report available online 24/7. You have peace of mind from knowing that your credit records are being monitored daily. If any irregular account activity is detected, we’ll notify you promptly.

How do I view my credit report & score?

Once you have completed the enrollment process, you will be automatically directed to our member dashboard. From the member dashboard, you can easily navigate between the different benefits by using the tabs near the top of the page.

How does my membership work? What is included?
  • You will also receive 24/7 credit monitoring, credit alerts, credit report consultation, and access to our credit education center.
  • There are also optional benefits available to members including access to all 3 credit reports cards and credit grades (scores).
Is there a trial membership period?

Yes, you may have a trial membership period during which you’ll be able to utilize all the program benefits as much as you’d like, without cost or commitment. In the event that you decide that the service isn’t the easiest, most viable way to oversee and ensure your credit, simply call to cancel before the end of the trial period and you won’t be charged an enrollment expense. In case you choose to proceed to take advantage of your member-only benefits after the trial period, the enrollment fee will naturally be charged to the credit or debit you used to enroll within the program. You may not be charged until your free trial period has passed.

How do I cancel my membership?

To cancel your membership, you may do so at any time by contacting our Customer Service Representatives at (833) 425-0355. We are available to assist you every day at the following time:

Monday-Friday: 9 AM – 3 PM EST

Please have your membership information (Member ID, first & last name, and address used to sign up) ready when calling to ensure a smooth experience. After canceling your membership there will be no future charges.

You may only terminate/cancel your membership by calling a Customer Service representative. Upon cancellation of your membership, we are not able to offer any refunds or prorated refunds.

I canceled my membership, how can I reactivate it?

Please call our customer service representatives at (833) 425-0355 and we’ll be happy to assist you.

I signed up for an account, how do I get started?

You will be automatically directed to our member portal once you have successfully completed the enrollment process. From the member dashboard, you can easily navigate between the different benefits. You will also receive a welcome email that contains your login credentials and other important information about your membership.

How do I contact customer service?

Please call our Customer Service Representatives at (833) 425-0355 and we’ll be happy to assist you.