The user wants the credit work thorough: all 3 bureaus via AnnualCreditReport.com, plus Credit Karma, Experian FICO 8, and (each with their ok) the free LexisNexis, ChexSystems, Innovis, and CFPB-listed specialty reports; a line-by-line cross-bureau tradeline audit; utilization and age math; inquiry and negative fall-off dates; a ranked diagnosis with labeled point-impact estimates and scenario math; a 30/60/90/180-day plan; disputes.md with 30-day FCRA deadlines; and report.md plus a PDF with a
Memories1Facts it already knows
Skills1Playbooks it can run
credit-coach-getting-started
Routines1Jobs that run on their own
monthly-credit-checkin
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