When I compare the numbers for my DTI to the LO numbers… They’re always different. I’m calculating it based on accounts with balances and the minimum reflected on the report. However I noticed in my trimerge from USAA that Experian has a monthly payment even on zero balance accounts.
whats the correct way to do it for revolving accounts? Do I still have to factor in those with zero balances because they are open and revolving? I would think if it’s zero on the report and no balance owed.. That nothing needs to be included.