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A semi-realistic, 2D cartoon-style image of a concerned character with glasses looking at a laptop screen showing a declining credit score graph. The character has a puzzled expression, surrounded by icons like a credit card, dollar signs, and a warning symbol, representing possible reasons for a credit score drop. The background includes subtle financial elements such as documents and question marks, using flat colors and minimal shading to maintain a clean, approachable design.

A sudden drop in your credit score can be alarming, especially if you're unsure why it happened. The …