ame: Date: Consumer Credit Usage 29 urpose: To create a record of current consumer debt balances. structions: Record account names, numbers, and payments for current consumer debts. ggested websites: www.bankrate.com www.fic.gov uggested app: Vallet utomobile, Education, Personal, and Installment Loans inancial institution Account number Current balance Monthly payment $0.00 $0.00 90.00 20.00 20.00 20.00 20.00 20.00 30.00 70.00 90.00 30.00 70.00 90.00 20.00 30.00 harge Accounts and Credit Cards $0.00 $0.00 90.00 90.00 20.00 20.00 20.00 90.00 90.00 90.00 50.00 30.00 50.00 30.00 30.00 30.00 20.00 30.00 20.00 30.00 ther Loans (overdraft protection, home equity, life insurance loan) $0.00 $0.00 50.00 50.00 30.00 30.00 $0.00 $0.00 $0.00 $0.00 ATCH CAREFULLY, WHAT ARE THEY ASKING? EONOMINATOR IS HOW MUCH NET INCOME COMINTotals 30.00 50.00 EVERY MONTH WHICH IS NOT PART OF THE EXERCISE ABOVE debt payment-to-income ratio = Total monthly debt payments CONVERT TO net (after-tax) income FORMULA = BY CLICKING CELLS AND DIVIDING, then covert to 9% above GOOD OR BAD CREDIT D YOU HAVE GOOD CREDIT OR BAD CREDIT? you don't answer all the questions on the bottom portion, you don't get any credit and will have