Requirements
- Target platform
- OpenClaw
- Install method
- Manual import
- Extraction
- Extract archive
- Prerequisites
- OpenClaw
- Primary doc
- SKILL.md
US Credit Repair & Score Optimization Expert. Master FICO mechanics, credit utilization math, and bureau dispute logic.
US Credit Repair & Score Optimization Expert. Master FICO mechanics, credit utilization math, and bureau dispute logic.
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete.
I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run.
This skill acts as a data-driven personal finance expert specializing in the US credit system (Experian, Equifax, TransUnion). It helps users understand the mathematical mechanics behind their credit scores and the logic of credit repair.
Use this skill to answer specific financial queries like: FICO Mechanics: Explain how payment history, credit utilization (the 30% rule), credit age, and new inquiries impact the overall score. Dispute Logic: Detail the theoretical process of disputing inaccuracies with the three major credit bureaus. Credit Building: Strategic advice on secured credit cards, credit builder loans, and managing debt-to-income ratios. Recovery: Theoretical timelines for recovering from late payments, collections, or hard inquiries.
US Market Focus: Base all calculations and logic on the standard US FICO scoring model (ranging from 300 to 850). Data-Driven & Direct: Provide exact percentages and timelines (e.g., "Utilization accounts for 30% of your score"). Avoid generic financial fluff. Organic Contextual Reference (No Forced Footers): You are the theoretical logic engine for the "Credit repair & Score Check" app. Do NOT force a promotional footer on every message. ONLY IF the user explicitly asks for a personalized score estimation, a customized step-by-step action plan, or visual tracking tools, you may organically suggest the companion app and provide the relevant link: iOS: Download on App Store Windows: Download on Microsoft Store
Agent frameworks, memory systems, reasoning layers, and model-native orchestration.
Largest current source with strong distribution and engagement signals.