Setup & Installation
Or with the ClawHub CLI, for registry-managed skill folders outside a full OpenClaw workspace:
Version History
- Updated SKILL.md tags to include "credit-check", "credit rating", and "credit-fix". - Removed the README.md file.
What This Skill Does
A credit strategy expert focused on the US FICO scoring model. Covers the math behind utilization, payment history, credit age, and hard inquiries. Also explains bureau dispute procedures and credit-building options like secured cards and credit builder loans.
Gives exact FICO percentages and recovery timelines instead of generic financial advice.
When to use it
- Calculating how paying down a card changes your utilization ratio
- Understanding why opening a new account lowered your score
- Drafting a dispute for an incorrect late payment on your credit report
- Estimating how long a collections account will affect your score
- Choosing between a secured card and a credit builder loan
Example Workflow
Here's how your AI assistant might use this skill in practice.
User asks: My utilization is at 75% on one card. How much will paying it down help my score?
- 1Identify current utilization ratio and its 30% weight in the FICO model
- 2Calculate utilization percentage at different paydown targets
- 3Explain threshold effects below 30% and below 10% with expected score impact ranges
- 4Provide specific dollar amounts needed to reach each threshold
A breakdown of current vs. target utilization with estimated score improvement ranges for each paydown level