Credit Report Reviewer
Reads a guarantor's credit report the way a private lender does and drafts the LOEs
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with The Helvetica Group. That introduction is what keeps every skill here free.
What this skill does
Reviews a borrower's or guarantor's credit report for a business-purpose loan. Sets the qualifying score, checks mortgage payment history, past bankruptcies and foreclosures, collections and recent new debt against your credit rules, and drafts one letter asking the borrower to explain every item that needs it.
What it does
- Picks the qualifying score the way your program does — middle of three, lower of two, or across several guarantors — and shows how close the file is to the next tier
- Checks mortgage payment history and matches loans to the borrower's property list, catching private loans that never show on a credit report
- Measures bankruptcy, foreclosure and short-sale seasoning from the right date
- Reminds you that judgments and tax liens mostly no longer appear on credit reports, so they must be checked elsewhere
- Flags recent inquiries, new debt, and fraud alerts or identity mismatches that must be resolved first
- Drafts a single letter-of-explanation request covering every open item
When to use it
- A credit report comes back on a new file
- Deciding which pricing tier a guarantor falls into
- A report shows late payments, a past bankruptcy or a fraud alert
- Preparing exceptions for a credit decision
What to have ready
- The credit report or reports
- Each guarantor's name and ownership share
- Your credit rules or tier grid, if you have one
- The borrower's property list, if available
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Here's the tri-merge for [GUARANTOR NAME] on a [LOAN TYPE] loan in [CITY]. Our grid is attached. What's the qualifying score, what's outside the box, and what explanations do we need?"
What you get back
The qualifying score and tier, a findings table measured against your credit rules, a list of what the report cannot show you, a draft explanation request for the borrower, and exception notes for the approver.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- Credit details never go into messages to third parties, full account and Social Security numbers are never reproduced, and every letter is a draft for you to review and send.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Credit Report Reviewer
On a business-purpose loan the credit report is not an income test — it is a character and behavior test. The questions are narrow: does this guarantor pay the people they owe on real estate, have they lost a property recently, are they quietly taking on new debt to fund this deal, and is the person on the report the person signing the note. This skill reads the report in that order, applies the lender's credit box, and produces the findings and letters of explanation an underwriter would ask for — without restating the whole report.
Works for individual guarantors on bridge, fix-and-flip, DSCR rental, construction and land loans, with one guarantor or several.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Credit report(s) | ✅ | Tri-merge preferred; note if it is a single-bureau or soft-pull report and the report date |
| Guarantor names and ownership % | ✅ | Needed to pick whose score qualifies when there are several guarantors |
| Program credit box | ✅ | Minimum score by tier, housing-history rule, BK / foreclosure seasoning, collection limits. If none, use Step 3's labelled defaults |
| Loan type and purpose | Helpful | DSCR programs often grade credit harder than short-term bridge |
| Schedule of real estate owned | Helpful | To match mortgages on the report to properties, and spot private loans that won't appear |
| Application declarations | Helpful | Bankruptcy, foreclosure, lawsuits, judgments — compare to what the report shows |
| Borrower's explanations already received | Helpful | So you don't request an LOE twice |
Minimum viable: one report and a minimum-score rule. Everything the box doesn't address is reported as a finding for the underwriter, not decided.
Step 2 — Validate the report before scoring anything
| Check | Why it matters |
|---|---|
| Report age | Many programs require the report dated within 90–120 days of closing (illustrative default). Stale report → re-pull condition |
| Name, SSN, DOB, addresses | Match to the ID and application. A different SSN variation, an unexplained AKA, or an address the borrower never listed is an identity question |
| Bureau count | A frozen or unavailable bureau lowers the number of scores and changes the representative score method |
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from The Helvetica Group
They publish here under a verified work email. Their other skills, and how to reach them, are on their contributor page.