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credit-from-scratch

100 / 100 · Low risk

Fine to try.

By mohitagw15856/pm-claude-skills (GitHub) · coding · 1,539 stars · scanned at commit edb6995

Build a credit history from zero in a new country — understand that credit doesn't transfer across borders, get the first products that report, avoid the newcomer traps, and reach a usable score in months not years. Use when someone says 'I have no credit history in [country]', 'build credit as a newcomer/immigrant', 'why was I rejected with a great score back home', or 'how do I get a credit card/loan as a new arrival'. Produces a credit-building plan, the starter products that report, a timel…

Works with any agent that supports SKILL.md skills.

What this skill can do

We found nothing in the files we read that matches our rules. That does not prove the skill is safe: see the limits of static scanning.

Other copies in this repository

mohitagw15856/pm-claude-skills has 1 more folder with a skill named credit-from-scratch. This page shows the lowest-scoring copy.

• plugins/pm-newcomer/skills/credit-from-scratch 100/100 · Low risk

Install

Paste this into your terminal. It downloads exactly the version we scanned, not whatever is newest.

if [ -e ~/.agents/skills/'credit-from-scratch' ] || [ -L ~/.agents/skills/'credit-from-scratch' ]; then echo 'A skill folder named credit-from-scratch already exists — not replacing it' >&2; false; else d=$(mktemp -d) && git clone --quiet --filter=blob:none --no-checkout 'https://github.com/mohitagw15856/pm-claude-skills' "$d" && git -C "$d" checkout --quiet 'edb6995427bac9d948775258a82aeecced60ceb1' -- 'skills/credit-from-scratch' && mkdir -p ~/.agents/skills && cp -R "$d"/'skills/credit-from-scratch' ~/.agents/skills/'credit-from-scratch' && rm -rf "$d"; fi

Codex reads ~/.agents/skills directly. For Claude Code, Cursor, Copilot, Gemini CLI, Antigravity or OpenCode, also link it. For Claude Code: ln -s ~/.agents/skills/'credit-from-scratch' ~/.claude/skills/'credit-from-scratch' (other agents: ~/.cursor/skills, ~/.copilot/skills, ~/.gemini/skills, ~/.gemini/config/skills, ~/.config/opencode/skills). Or install through the finder skill, which does both.

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