A 771 would suggest my debt to high credit ratio is very good. Like you say.

DEBT TO INCOME RATIO
 I can be turned down forr "debt to income ratio" which has 50% to do with my credit.
 My reported monthly debt is must be less than 45% of my, "show me the stub" or, "two years tax returns" gross not net.

DEBT TO INCOME RATIO

Plus my credit needs to be good. Super high provable salaries and large down payments might overcome some bad credit.
 I will be turned down for new credit no matter what my score is if my debt to income ratio is above 45%. Even if I score a 700 771 772 773 774 775 776 777 778 779 800.
If I no mortgage is reported most potential lenders will add a rent figure.
More than 45% reported debt leaves too little to live on, and looks like bankruptcy is waiting. Believe it or not but people routinely get and use too much credit and they become trapped into a charge off, repo, late payments, judgment, bad check, hospital bill, electric bills. So unsecured credit card debt is the more dangerous than secured  car loan loan and home loan debt. They can reposes an asset and get some money back. Thus secured debt.

This is why credit card companies who grant "unsecured credit" are careful at first.

I have a lot of open credit I am not using and I am going to consolidate to 2 or 3 credit cards and a debit card. I am shooting for credit cards in the 40k total available and owe less than 10%. Right now I have about 8 or 9 cards. Before the year runs out I am going back to 2-3 cards, house loan, car loan, maybe 1 more, and all that food, water, verizon wireless, electricity, gas and gas.

Question #2
 I have a arm coming due in july 08
this is what I have

1 mortgage never late for 3 years
1 mortgage ( rental property never late 3 years )
1 major credit card 3000.00 limit owe 1200.00
1 truck haven't been late in 3 years ( 4 more payments to go)
1 new truck ( 6 months never late)
bankrupt. 9 years ago
although I got alot of things deleted alot of credit card judgments my trans union score is 698, don't know husbands yet, waiting to pull his what kind of loan should I look for or will I even qualify for a loan to refinace? I am worried sick I have 6 months to go, trying so hard to reach 700 on fico, everyone says no new credit something about dept to ratio, the rental property is rented and I have a lease to show the morgage company. thanks
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if they are turning you down for a debt ratio it would be a DEBT TO INCOME ratio.
The score is so high it must be dept to income ratio.
No more than 45% owed per month against total gross monthly check stub tax return income.
Past 2 years if self employed
DEBT TO INCOME RATIO
looks like your open credit is very good and your score reflects that 698
i would dispute some of the older paid items and hope?
A 698 SHOULD get you whatever you want.
2 more points might help you a percentage point or less, but not much difference is there.

so dispute some old stuff
maybe pay the remaining four payments on the truck
other than that? you look good