---
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?"