{"ok":true,"trend":{"id":663058,"platform":"mastodon","region":"global","key":"october kickoff: your subscriptions don't count toward your traditional dti ratio — that's calculated from your credit r","title":"October kickoff: your subscriptions don't count toward your traditional DTI ratio — that's calculated from your credit r","url":"https://mastodon.social/@vetros/117367907040880578","first_seen":"2026-10-01T22:58:17.579799Z","last_seen":"2026-10-02T03:07:47.271820Z","last_rank":6,"peak_rank":4,"last_volume":0,"peak_volume":0,"seen_count":4,"score":0.954375,"category_hint":"personal_finance","section":"business","category":"personal_finance","summary":"Personal finance commentary circulating in October clarifies that subscription payments such as streaming services do not factor into a borrower's traditional debt-to-income ratio, which lenders calculate from credit report obligations. However, a growing number of lenders now supplement this with cash-flow underwriting, reviewing actual bank transactions to assess spending patterns. Cash-flow underwriting can flag discretionary spending separately, meaning everyday purchases may still influence lending decisions even when DTI appears healthy.","why":"Rising interest rates and tighter lending standards have made borrowers curious about exactly what lenders look at when approving credit.","tone":"neutral","entities":["lenders","consumers"],"summarized_at":"2026-10-02T05:00:59.768661Z","meta":{"tag":"personalfinance","via":"scan","kind":"status","lang":"en","instance":"mastodon.social","tag_uses":21},"nw":null,"promo":null,"kind":null,"importance":null,"hidden":false,"hide_reason":null,"judged_at":null,"title_en":"Subscriptions don't count toward traditional debt-to-income ratio","section_name":"Business","category_name":"Personal Finance","timeline":[{"captured_at":"2026-10-01T22:58:17.579799Z","rank":4,"volume":0},{"captured_at":"2026-10-02T00:20:17.131474Z","rank":4,"volume":0},{"captured_at":"2026-10-02T01:42:17.013137Z","rank":6,"volume":0},{"captured_at":"2026-10-02T03:07:47.271820Z","rank":6,"volume":0}],"posts":[{"platform":"mastodon","url":"https://mastodon.social/@vetros/117367907040880578","author":"vetros","title":null,"snippet":"October kickoff: your subscriptions don't count toward your traditional DTI ratio — that's calculated from your credit report. But a growing number of lenders now also review actual bank transactions (cash-flow underwriting), which can flag discretionary spending separately.…","posted_at":"2026-10-01T22:02:16.247000Z","likes":0}],"elsewhere":[],"window":"7d"}}