High debt-to-credit ratio vs limited credit historyMy fiance and I are looking to buy a house together after the wedding. One of us has a credit-to debt ratio that's a little high; the other has paid cash for pretty much everything their entire life (no student debt, no car loans, no credit cards until earlier this year), and has a limited credit history. Which is worse?We have a good income between the two of us and I've got an inheritance that will cover the down payment. What can we expect?November 30 2013 - New Orleans11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.