Problem Pack for money and bills
Fix a Credit Report Error
Get errors on your credit report fixed. It checks each entry, writes the disputes to every agency and the lender, and answers their replies.
Works for: UK, EU, US, Canada and Australia
See it in action
An example. The situation is made up to show how the pack works.
The situation
You are applying for a mortgage next month. Your credit report shows a 30-day late payment in June 2026 on your auto loan, but your bank statement shows that payment cleared two days early.
It asks you, for example
- Which country and state you are in
- Which report you've seen, and its date
- What looks wrong in the entry
- Whether the account is yours at all
Subject: Credit report dispute: auto loan account ending 2291
Hello,
Your report dated October 26, 2026 shows a 30-day late payment in June 2026 on my auto loan, account ending 2291.
This is wrong. The June payment of $412 was due on June 15 and cleared from my checking account on June 13, 2026. A copy of my bank statement showing the payment is attached.
Please correct the June 2026 entry to show the payment as on time, and send me the results of your investigation in writing. Under the Fair Credit Reporting Act, I expect a response within 30 days, by November 29, 2026.
Sincerely,
[Your name]
[Your address]
It writes the matching dispute to the lender and the other bureaus, and tells you to ask your mortgage lender about a rapid rescore.
A skill for Claude, ChatGPT, Gemini, Grok or Copilot, or a text file for any AI chat, that turns your AI into a credit report dispute helper for your case.
It helps you find what is wrong on each report, tells you honestly what can and cannot be removed, and writes the disputes to every agency and the lender, with the follow-ups.
What you are buying
- A check of each entry: wrong, or accurate
- Disputes to each credit agency and to the lender
- An identity theft route if the account is not yours
- Answers to 12 common agency and lender replies
- Legal or financial advice. For court papers or large fraud, get a professional.
- A way to remove accurate late payments or defaults
- A credit score promise
- An app, a login or a subscription. You pay once.
The message most people send, and the one this pack writes
Subject: Credit report wrong Hi, There is something wrong on my credit report and it is hurting my score. I need you to remove it as soon as possible because I am applying for a mortgage. Please fix it. Thanks
No account, no date, no proof and no fix named, so it gets a form reply.
Subject: Credit report dispute: Lakeside Auto Finance account ending 2290 Hello, Your report shows a 30-day late payment for March 2026 on my Lakeside Auto Finance loan ending 2290. This is wrong. I paid $412 on 27 February 2026, before the 1 March due date. My bank statement is attached. Please investigate, correct the March 2026 status to paid on time and send me the result in writing within 30 days. Jordan Price
What it says, what it should say, the proof and one ask. An invented example from the pack.
What it does
Words you can type at any time. You do not need them to start.
| Start it | Asks 5 short questions, starting with your country |
| check my report: <paste> | Flags what looks wrong and what is accurate |
| Answer the questions | Tells you how strong each dispute is and who to send it to |
| next message | Writes the next dispute or follow-up |
| they replied: <paste> | Says what their reply means and writes your answer |
| notice of correction | Writes a short statement for your file if an entry stays |
| case file | Shows every error, every agency and every date in one place |
How you use it
- Open a new chat in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work.
- Attach the text file to a new chat in any AI and type "Follow this file". Or upload it once as a skill to Claude, ChatGPT, Gemini, Grok or Copilot.
- Answer its questions in your own words. It works through the problem with you from there.
See the set-up steps for each AI before you buy.
What arrives
A zip file, straight after you pay. Inside: the pack as a ready-to-upload skill with its SKILL.md, the same pack as one text file for any AI, and a start-here PDF with both set-ups.
Good to know
- Each credit agency keeps its own file, so it has you check them all.
- It writes to the lender too, so the error does not come back.
- Accurate late payments and defaults usually stay for years. It tells you when.
- Disputes are free. You do not need to pay anyone to send them.
- It writes, you send. Nothing goes out for you.
- Or get Every Problem Pack: all of them for $99.
- 14 days to get your money back if it does not do what this page says.
What is in the download
4 files in one zip, ready straight after you pay.
| START-HERE.pdf | The two ways to set it up, step by step, and the commands you can type. |
|---|---|
| 1 - Skill | A ready-to-upload skill (.zip) and its SKILL.md. Upload it once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot and it switches on whenever this problem comes up. |
| 2 - Text file for any AI | The same pack as one text file, about 3,500 words. Attach it to a chat or add it to a project in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work. |
Questions
Which AI does it work with?
Claude, ChatGPT, Gemini, Grok and Microsoft 365 Copilot take it as a skill: upload it once and it switches on by itself. On any AI and any plan, attach the text file to a new chat and type "Follow this file", or add it to a project.
How do I get it?
Pay once by card. The download button appears straight after payment and your receipt comes by email. No account, no subscription.
Can I keep it ready for next time?
Yes. Upload the skill once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot, or add the text file to a ChatGPT Project or custom GPT, a Claude Project, a Grok project or a Copilot agent. The start-here guide shows each.
Does it send anything for me?
No. It writes each message and you read it and send it yourself.
Is this legal advice?
No. It helps you put your case clearly and keep it moving. For large sums, a court date or anything you are unsure about, speak to a lawyer or a free advice service where you live.
What if it does not work for me?
You have 14 days to get your money back if it does not do what this page says. Tell us what you asked it and what it returned.
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