Getting on track but the "D' and 53% !!

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Listing Information
Amount: $4,500.00 Status: Expired
Grade: D DTI: 54%
Lender Rate: 20% Borrower: billyg
Time Left: Finished State: MI
Funded: 0% Group: FANAFI Financial
My creidt score 1 yeat ago was 520 on the big 3 now Transunion is 685 Experian 635 and Equifax 675!!! Have paid down much credit with 2 kids in college?!?!?! I want to payoff a car payment of $300.00 with 9 months left and a few high and I mean high credit cards 29%to 31% Now as far as the 53% ratio this does not include my wifes salary of $53,000 per year?!?!? I have not been 30 days late on any payment for more than 5 years now.
Borrower's Other Listings
6067 D??? I checked it was a C??? D $3,000 @ 19% Apr 14, 2006 Withdrawn
6103 Need to hook up to city sewer D $3,000 @ 19% Apr 14, 2006 Withdrawn
9696 paying off higher interest CC debt of 29.5% D $3,500 @ 20% Apr 29, 2006 Loan created

 

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