Debt to income

My debt to income ratio is a bit high. My mortgage and auto loan are co loans with my boyfriend so only half the debt is mine. Can that be factored in somehow? Or am I just stuck looking like I have too much debt on my own.

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Debt to income

You are fully responsible for joint debts, and if (for example) your boyfriend defaults, the lender can come after you for the entire amount, not just half. So your credit report is accurate, unfortunately.

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