Question : How do I figure out the likeliness of getting a loan or line of credit WITHOUT dinging my credit?
I have no negatives as far as missed or late payments in my credit history, but my income to debt ratio is not good. So my score is very sensitive right now (although just below excellent, last I checked) and I don’t want to make matters worse by racking up credit inquiries when I apply for a line of credit or a business loan. Is there some sort of informal website where I can enter information about my financial information and get a general idea of how appealing I would be to credit companies and banks?
line of credit

Best answer:

Answer by Steven
I understand your caution in not wanting any inquaries on your credit. Unfortunately it’s the only way of knowing if you qualify and what rate.

The bigger problem is your debt to income ratio. Banks and lenders have implemented strict guidelines in making sure all applicants have adequate income to make the payments. People with excellent credit are getting turned down for loans left and right due to DTI.

It’s best just to call the lenders and tell them your credit score and other information and the loan guy can generally tell you what options if any. Websites are just lead generating services.