Credit Cycle Analysis
sickn33/agentic-awesome-skills
Debtor and creditor credit-cycle analysis: weighted collection or payment days, ageing buckets, credit limit utilisation and gap against benchmark.
Summarise what Credit From Scratch does in one line. An agent skill from mohitagw15856/pm-claude-skills.
MITAuto-check passed
Install Credit From Scratch
$ npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills credit-from-scratch --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/pm-newcomer/skills/credit-from-scratch .claude/skills/credit-from-scratch && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "credit-from-scratch" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/plugins/pm-newcomer/skills/credit-from-scratch into .claude/skills/credit-from-scratch/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "credit-from-scratch", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/plugins/pm-newcomer/skills/credit-from-scratchType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills credit-from-scratch --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/plugins/pm-newcomer/skills/credit-from-scratch .agents/skills/credit-from-scratch && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "credit-from-scratch" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/plugins/pm-newcomer/skills/credit-from-scratch into .agents/skills/credit-from-scratch/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "credit-from-scratch", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills credit-from-scratch --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/plugins/pm-newcomer/skills/credit-from-scratch .cursor/skills/credit-from-scratch && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "credit-from-scratch" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/plugins/pm-newcomer/skills/credit-from-scratch into .cursor/skills/credit-from-scratch/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "credit-from-scratch", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path plugins/pm-newcomer/skills/credit-from-scratch--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills credit-from-scratch --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/plugins/pm-newcomer/skills/credit-from-scratch .gemini/skills/credit-from-scratch && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "credit-from-scratch" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/plugins/pm-newcomer/skills/credit-from-scratch into .gemini/skills/credit-from-scratch/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "credit-from-scratch", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills credit-from-scratchInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/plugins/pm-newcomer/skills/credit-from-scratch .github/skills/credit-from-scratch && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "credit-from-scratch" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/plugins/pm-newcomer/skills/credit-from-scratch into .github/skills/credit-from-scratch/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "credit-from-scratch", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills credit-from-scratch --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/plugins/pm-newcomer/skills/credit-from-scratch .opencode/skills/credit-from-scratch && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "credit-from-scratch" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/plugins/pm-newcomer/skills/credit-from-scratch into .opencode/skills/credit-from-scratch/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "credit-from-scratch", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
credit-from-scratch- GitHub stars
- 1.4k
- Token cost
- ~264 tokens
- SKILL.md length
- 89 words
- Files
- 1
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Summarise what Credit From Scratch does in one line. An agent skill from mohitagw15856/pm-claude-skills.
- Asked to [trigger phrases the user would say]
- SKILL.md covers Working from a brief, Required Inputs, Output Format and Quality Checks, plus 2 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Credit From Scratch is an agent skill from mohitagw15856/pm-claude-skills. Summarise what Credit From Scratch does in one line. Use when asked to [trigger phrases the user would say]. Produces [the concrete artifact].
Its SKILL.md is about 260 tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked to [trigger phrases the user would say]
Example prompts
- “/credit-from-scratch”
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Credit From Scratch loads about 264 tokens when it runs. Until then it costs about 41 tokens; SKILL.md has 89 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 89 words, ~264 tokens.
Download SKILL.mdSave it as
.claude/skills/credit-from-scratch/SKILL.md (or your agent's skills folder).- 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. <!-- TODO: rewrite -->
Working from a brief
Deliver the full artifact even from a thin brief — infer and label assumptions, never refuse for missing context. <!-- TODO: tailor -->
Required Inputs
Ask for (if not already provided), else infer and label:
<!-- TODO: the inputs to gather -->
Output Format
<!-- TODO: a concrete template (headings/tables) of the final artifact -->Quality Checks
-
<!-- TODO: a check the output must pass before hand-off -->
Anti-Patterns
- Do not
<!-- TODO: the mistake this skill prevents -->
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?"
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
Just SKILL.md in plugins/pm-newcomer/skills/credit-from-scratch of mohitagw15856/pm-claude-skills.
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Credit From Scratch next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Credit From Scratch this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~264 | Automated safety check: Pass | MIT | |
| Credit Cycle Analysissickn33/agentic-awesome-skills | 47k | 1 repos | ~4.2k | Automated safety check: Pass | MIT | |
| Summarise Ecosystem Resultsastral-sh/ruff | 50k | — | ~2.2k | Automated safety check: Pass | MIT | |
| Credit and Fixed Income AnalysisHKUDS/Vibe-Trading | 35k | — | ~4.8k | Automated safety check: Pass | MIT | |
| Credit Risk Data Cleaninggithub/awesome-copilot | 40k | 1 repos | ~1.5k | Automated safety check: Pass | MIT | |
| Credited Community PR Harvestcodewhale-hq/Codewhale | 41k | — | ~1.1k | Automated safety check: Pass | MIT |
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- Official
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Credit and Fixed Income Analysis
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Covers bond pricing, credit ratings, default risk models (Altman Z-score, Merton, KMV), spread analysis and rate risk for fixed income work, with a focus on China's bond market; Chinese text.
- Official
Credit Risk Data Cleaning
github/awesome-copilot
Cleans raw credit data and screens variables before loan modeling, dropping unstable, noisy or redundant features and writing an Excel report of every step.
Credited Community PR Harvest
codewhale-hq/Codewhale
Lands exactly one approved community pull request onto the real release branch with its original authorship preserved, verified green, and posts a thank-you to the contributor.
- Official
Kermt Pretrain Scratch
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Pretrain a fresh KERMT model from scratch on a user-provided corpus.
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Questions about Credit From Scratch
What does Credit From Scratch do?
Summarise what Credit From Scratch does in one line. An agent skill from mohitagw15856/pm-claude-skills. Credit From Scratch is an agent skill from mohitagw15856/pm-claude-skills. Summarise what Credit From Scratch does in one line.
When should I use Credit From Scratch?
Credit From Scratch fits situations like: asked to [trigger phrases the user would say].
How do I install Credit From Scratch in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a claude-code`. Or copy the skill folder (plugins/pm-newcomer/skills/credit-from-scratch in mohitagw15856/pm-claude-skills) into .claude/skills/credit-from-scratch in your project. Claude Code loads it when a task matches its description.
How do I install Credit From Scratch in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a codex`. Or copy the skill folder (plugins/pm-newcomer/skills/credit-from-scratch in mohitagw15856/pm-claude-skills) into .agents/skills/credit-from-scratch in your project. Codex loads it when a task matches its description.
Can I use Credit From Scratch in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill credit-from-scratch -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/credit-from-scratch, .gemini/skills/credit-from-scratch, .github/skills/credit-from-scratch and .opencode/skills/credit-from-scratch in your project.
What does Credit From Scratch need to run?
SKILL.md names no scripts, command-line tools or credentials: Credit From Scratch is instructions for the agent only.
Does Credit From Scratch access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Credit From Scratch safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Credit From Scratch use?
Credit From Scratch is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Credit From Scratch use?
About 264 tokens (SKILL.md is roughly 1.1k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Credit From Scratch?
Skills that share tags, products or a category with Credit From Scratch: Credit Cycle Analysis (sickn33/agentic-awesome-skills, 47k stars), Summarise Ecosystem Results (astral-sh/ruff, 50k stars), Credit and Fixed Income Analysis (HKUDS/Vibe-Trading, 35k stars) and Credit Risk Data Cleaning (github/awesome-copilot, 40k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Credit From Scratch?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.