Credit Archives | Garden State Home Loans | NJ

How to Avoid Bankruptcy

Avoiding Bankruptcy Bankruptcy occurs when your liabilities exceed your assets or when you have an insufficient cash flow to service... read more →

Debt-to-Income Ratio

Debt-to-income ratio (DTI) is a personal finance measure that compares your debt payment to you overall income. DTI is a... read more →

credit utilization

Define: credit utilization Definition: Credit utilization is the comparison between the amount of credit available and the amount currently used.


Definition: creditworthiness Creditworthiness is the valuations of borrowers by lenders that determines the possibility a borrower may default on their... read more →
Skip to content