How does a creditor now, before granting you credit or a loan what your?

debt to income ratio is? Do they ask for pay stubs or look on your employment section on your credit report? How do they know if you make enough to account for your debt or other expenses as per reported on each of your reports?

And what if you are in between jobs and update that you're going to another job with a credit bureau.They usually take their sweet time in putting that on their, will the creditor looking at your report be able to see it?

Answer:
A proper lender will definitely do his homework and get your credit reports with FICO scores, paystubs, bank statements and othe financial related statements before deciding on the approval.

The credit card approvers simply pull your score and decide on that it seems.

HTH
deepens what kind of credit you are applying to. if you apply for credit card- they check your credit report and the info you put on your credit card application. if you look for mortgage- application is much more complicated and you have to provide them with your info for two years back- rental history, work history, your credit .

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