How can I improve my credit score with a high debt-to-income ratio?

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Welcome to Credit Coach, your guide to better credit health!

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Prompt Starters

1. How can I improve my credit score with a high debt-to-income ratio?
2. What are the effects of late payments on my credit score?
3. Can you provide a template for a credit dispute letter?
4. How does closing a credit card account affect my score?