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# How does the Exclude column for a liability impact the documents?

When the 'blank' option is selected, the liability and the amounts will be included in the totals and print to the credit application documents.

When the 'Exclude' option is selected, the liability and the amounts will not be included on the credit application documents.

When the 'Exclude from Debt Ratio' option is selected, the Payment Amount and Outstanding Balance for the liability will be excluded from the calculated totals in the Liabilities section on the Financial Analysis page and on the Uniform Residential Loan Application. The individual liabilities will still appear on page 2, section VI Assets and Liabilities on the Uniform Residential Loan Application without the amounts. This option may be used if a debt on the credit report is being disputed, or you don't want the debt to impact the debt ratio.