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Why my wife and I have same mortgage/auto loan $$ on our credit? Should be half of amount on credit?
For example, Mortgage Loan on my wife is 111k and mine is 111K. Total is 222K?!? The really mortgage loan balance is 111K. It should be half to 55.5K each on our credit report. It s exaclty the same with auto loan. We are trying to reduce the debt to income ratio. Our score is at apx. 700. Struggle to get loan due of high debt to income ratio. It does not make any sense.

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