Does Rental Income affect Landlords credit score?

[Justin Pittman]

I have had a rental for 3 years and I notice that my credit score now moves very slowly and has even dropped. I have no delinquent accounts and my credit monitoring provider suggests that my debt is too high.  I make 85k before my rental income, I have 285k owed total for both homes (my residents and the rental), I have 10k in auto loan, and less than 1k in credit card debt.  Do I need to report rental income to the credit bureau to help with a debt to income imbalance?

[Kyle J.]

@Justin Pittman Your income, and DTI ratio, aren't factored into your credit score. Here's some information on the things that are factored in, and the importance of each:

https://www.myfico.com/credit-education/whats-in-your-credit-score

(Credit Karma also has an app that you can use to simulate changes to your credit profile and estimate how it might affect your credit score, up or down. It’s not exactly the same as your FICO score, but it’s very close.)