Debt income ratio and debt to hight credit ratio.

Debt to income ratio IS NOT credit score related.
I can get turned down for credit even if I have a great credit score or a 700 plus Beacon Fico.

My monthly reported and showing on my credit report debt, plus a rent figure (if no mortgage shows on my report) must be less than 45% of my gross monthly income averaged over the past 2 years.
This income must be provable tax records or pay stubs.
Debt to income is not a credit record and does not affect my credit score.

Debt to high credit ratio IS credit score related.
I must keep my debt to less than 80% (or 30% for best score) of my available high credit limit for each reported account that shows on my credit report.