Consumer Indebtedness - CREDIT REPORT

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CREDIT REPORT: Consumer indebtedness

When evaluating credit, creditors consider the type and amount of debt an individual has and the rate of credit utilization. For revolving accounts, the rate of credit utilization is measured as the proportion of available credit in use (outstanding balance divided by the maximum amount the individual is autho- rized to borrow, referred to as the credit limit). For installment and mortgage accounts, credit utiliza- tion is generally measured as the proportion of the original loan amount that is unpaid. High rates of credit utilization are generally viewed as an addi- tional risk factor in credit evaluations, as they may indicate that an individual has tapped all available credit to deal with a ﬁnancial setback, such as a loss of income.