Your creditworthiness is a measure of how good or bad a risk you might be to a potential lender like a bank or credit card issuer. Lenders may use a number of criteria to evaluate your creditworthiness, with special emphasis on your debt-to-income ratio, or DIR (D-I-R), and your payment history.

MILWAUKEE - After one of the worst market downturns in history, some shell-shocked investors are looking to professionals to make investment decisions for them.