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name: credit-from-scratch description: "Summarise what Credit From Scratch does in one line. Use when asked to [trigger phrases the user would say]. Produces [the concrete artifact]."

Credit From Scratch Skill

One-line summary of the value this skill delivers.

Working from a brief

Deliver the full artifact even from a thin brief — infer and label assumptions, never refuse for missing context.

Required Inputs

Ask for (if not already provided), else infer and label:

Output Format

Quality Checks

Anti-Patterns

• Do not

Example Trigger Phrases

• "I have no credit history in [country]."
• "Build credit as a newcomer/immigrant."
• "Why was I rejected with a great score back home?"
• "How do I get a credit card/loan as a new arrival?"