consumer-credit-monitoring SKILL.md skillA
consumer-credit-monitoring from codearranger/claude-legal is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add codearranger/claude-legal/consumer-credit-monitoring@v0.1.2Pins v0.1.2 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- codearranger/claude-legal
- Path
plugins/claude-legal-federal-laws/skills/consumer-credit-monitoring/SKILL.md- Versions recorded
- 2
- Latest version
- v0.1.2, committed Jun 12, 2026
- First version recorded
- May 28, 2026
- Size
- 6,178 bytes
- Repository stars
- 23
- License
- a license file GitHub does not identify
Use this skill for FCRA strategy: proof of harm and propagating corrections. Triggers include "should I apply for credit", "generate a denial letter", "adverse action letter", "send corrected report to everyone", "soft vs hard inquiry", "re-notify after dispute", "1681i(d)", "annual report review", "review on my birthday", "check report after data breach". Covers applying for credit to generate adverse-action letters, demanding CRA re- send corrected reports to all recipients (§ 1681i…
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Consumer Credit Monitoring & Strategy > **NOT LEGAL ADVICE.** This skill produces drafting aids and checklists. It is not legal advice > and does not create an attorney-client relationship. Verify every deadline, dollar threshold, > and statutory citation against current law before relying on or filing anything. ## Purpose Two forward-looking moves: (1) **generate the proof of harm** that gives a claim teeth, and (2) once errors are corrected, **propagate the corrections** so prior denials turn into approvals and every party that saw the bad data sees the good data. Then keep watching. Statutory text: [`../../references/federal-debt-laws/FCRA.md`](../../references/federal-debt-laws/FCRA.md). ## Generate proof of harm — recent credit applications (optional) A consumer who hasn't applied for credit recently has no fresh **adverse-action letter** — and the adverse-action letter is among the cleanest forms of proof of **harm and standing**. If the consumer chooses to generate this proof: - If the consumer hasn't applied in a while, one option is to apply within the last 3–6 months so a current denial (or worse-terms) letter exists. …
Read the whole file at its exact version.
How to install
mdr add codearranger/claude-legal/consumer-credit-monitoring@sha256:0fde265bcfebaaf7The line at the top of this page pins the label v0.1.2, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_pjwg2ddnxdncaymh)
0 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 2 versions of this file, between May 28, 2026 and Jun 12, 2026, about one every 15 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| v0.1.2 latest | 2026-06-12 | 84858d5 | 6,178 B | A | view · diff |
| v0.1.1 | 2026-05-28 | a4d31b6 | 6,935 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (6178 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
codearranger/claude-legal · 23 stars · license a license file GitHub does not identify · pushed 2026-10-10 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_pjwg2ddnxdncaymh GET https://markdownregistry.com/api/v1/resolve?ref=codearranger/claude-legal/consumer-credit-monitoring GET https://markdownregistry.com/api/v1/blob/0fde265bcfebaaf729b311a26a5a22b4e1dfc1be05e0e07c5812bcf327bc67c2
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.