Credit Report Summary
Elizabeth H. Bucher – As of Nov 14, 2025
Current FICO Score
620
(Target: 700)
620
(Target: 700)
Payment History
GOOD
100% On-Time
GOOD
100% On-Time
Collections Accounts
0
No Derogatory Marks
0
No Derogatory Marks
Recent Hard Inquiries
11
In last 6 months
11
In last 6 months
FICO Score History (May – Nov 2025)
This chart illustrates the score’s stability at/above 700, followed by the recent, temporary dip starting in August.
FICO Score Ingredients
Factors are color-coded: Positive | Temporary Issue
Summary & Context
Temporary Negative Factors (The “Why”)
The score drop is due to a combination of recent, planned activities:
- 11 Hard Inquiries: From shopping for a new SUV auto loan (Aug 2025).
- High Utilization (105%): From new credit cards used to furnish a new apartment.
Long-Term Positive History
These factors show long-term reliability and credit-worthiness:
- 100% On-Time Payment History: No lates.
- 0 Collections Accounts: No derogatory marks.
- “Very Good” Credit Mix: Report shows a healthy mix of account types.
Resolution Plan
A clear plan is in place to resolve the temporary negative factors:
- Source of Funds: Sale of a home, providing ~$120,000.
- Timeline: All new credit card balances will be paid in full by December 2025.
- Result: Credit utilization will drop significantly, and the score is expected to rebound quickly.