It is no secret that as a person’s credit to debt ratio exceeds 50% negative impacts occur to credit ratings. This affects personal buying power. Currently, credit to debt ratios for American families remain too high which negates borrowing power. Lender banks see fit to lower credit ceiling's from those set with good credit ratings to just barely above current account balances. This practice ensures current housing stagnation and consumer confidence levels to remain flat contributing to dreadfully slow recovery. Continual fluctuations to our financial stability makes every American family remotely capable of financing healthy debt ratios unable to request credit for high end purchases like auto's and homes. Current trends disallow creditor visibility on American family true solvency.
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