Answer :
The reason why Martha's credit report has such a low FICO score could be because She filed for bankruptcy last year.
What happens to credit scores when bankruptcy is filed?
When a person files for bankruptcy as Martha did last year, they are protected from their creditors and often pay back less than they owe.
As a result, it reduces their credit score because creditors would be less trusting of them in future.
Find out more on the FICO score at https://brainly.com/question/9913263.
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