Credit score

Payment history

100% on-time over the last 24 months.

Credit utilization

Revolving usage is at 141% across open lines.

Average account age

Oldest account is 11 years old with a strong mix of trade lines.

Recent inquiries

Two hard inquiries in the last 12 months are still impacting the file.

Derogatory marks

No collections, charge-offs, or public records were reported.