# How does credit utilization affect GDS/TDS ratios?

> High utilization suggests a 'reliance on debt' which can trigger a manual underwriter review even if the score is high.

Category: Purchasing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/purchasing/how-does-credit-utilization-affect-gdstds-ratios

## Answer
| Item | Prime Lender Req | B-Lender Req |
|------|------------------|--------------|
| Score | 680+ | 550+ |
| Late Pays | 0 in 24 months | Flexible |
| Utilization| <30% | <75% |
| BK/Prop | 2 Yr Discharge | 1 Day Discharge |

## Related guide
- https://ratellow.com/guides/credit-score-mortgage-impact

## Sources
- Report on the Guideline on Existing Consumer Mortgage Loans | Canada.ca — https://www.canada.ca/en/financial-consumer-agency/programs/research/guideline-mortgage-loans.html#toc0