['My credit score has seen a 50 point decrease in the last month. I think this is a result of my debt accumulation', 'Ouch.  Debt ration does play a big factor in the scoring.', 'Indeed. I think i need to be more careful with my spending and careful plan everything in detail']
(*ratio)  I watch my score like a hawk.
My credit score has fallen by some 50 points in the last month. My debts are accumulating.