Problem Pack for money and bills
Refused Credit: Get the Reason and a Second Look
Turned down for a loan, card or finance? Get the real reason, the credit file they used, your data and a review by a person, then fix what is wrong.
Works for: EU, UK, US and Brazil
See it in action
An example. The situation is made up to show how the pack works.
The situation
You apply online for a £6,000 car loan. Within a minute the screen says no, and the next day's email says only that the decision used internal scoring and a credit reference agency. You have been in the same job for three years and know of no missed payment.
It asks you, for example
- Where you live, and what you applied for, with which lender
- When you applied and when you were refused
- What the refusal said, word for word
- Whether it was instant or a person looked at it
Subject: Refused application [application reference]: request for reasons, review and my data
On 2 November 2026 I applied online for a £6,000 car loan, reference [application reference]. It was refused within a minute, and your email of 3 November says the decision used your internal scoring and information from a credit reference agency.
Please give me the details of that agency, as section 157 of the Consumer Credit Act 1974 requires, and the main reasons for the refusal. If the decision was made solely by automated means, please have a person review it. Please also send me a copy of my personal data under Article 15 of the UK GDPR, with how the decision was reached.
Please reply by 12 November 2026, and on my data by 5 December 2026.
[Your name]
When the agency is named, it checks your free credit report with you line by line, and if the lender sends a stock answer, it writes the reply asking for the specific reasons.
A skill for Claude, ChatGPT, Gemini, Grok or Copilot, or a text file for any AI chat, that turns your AI into a helper for finding out why you were refused credit and getting a person to look at it again.
It works out which rights you have where you live, asks the lender in one message for the reasons, the credit file it used, a review by a person and a copy of your data, checks your credit file with you for errors, and answers when the lender says "our scoring is confidential".
What you are buying
- One request for the reasons, the credit file used, a human review and your data, with the deadlines as dates
- A line-by-line check of your credit report, and the next step for any error
- Answers to the usual replies: lending criteria, confidential scoring, ask the agency, silence
- Works in ChatGPT, Claude, Gemini, Grok or Copilot
- Legal advice. For a mortgage refused with a purchase at risk, or a discrimination claim, talk to an adviser.
- A promise of a yes. No law makes a lender lend; it gets you the reason and a fair second look.
- A credit repair service. It never hides debts or bends the truth on an application.
- An app, a login or a subscription. You pay once.
The message most people send, and the one this pack writes
Subject: Loan application Hi, I applied for a car loan with you and was turned down straight away. I have a good job and I don't understand why. Could you please look at it again or tell me what went wrong? Thanks
No reference, no rights named and no date, so it gets the same stock line about "a range of factors" and nothing else.
Subject: Refused application HLF-55812: request for reasons, review and my data Dear Harbour Lane Finance, On 2 November 2026 I applied online for a £6,000 car loan, reference HLF-55812. It was refused within a minute, and your email of 3 November says the decision used your internal scoring and information from a credit reference agency. Please give me the details of the agency, as section 157 of the Consumer Credit Act 1974 requires, and the main reasons for the refusal. If the decision was made solely by automated means, please have a person review it. Please also send me a copy of my personal data under Article 15 of the UK GDPR, with how the decision was reached. Please reply by 12 November 2026, and on my data by 5 December 2026. Aisha Khan
The reference, the rights, the four asks and real dates. 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 five short questions: where you live, what you applied for, the dates, what the refusal said and whether it was instant |
| Answer the questions | Tells you how strong your position is, which rights apply and your deadline dates |
| next message | Writes the request for the reasons, the credit file, a review and your data, then the reminder |
| they replied: <paste> | Explains what their answer means and writes your reply |
| my file | Checks the credit report you paste line by line and marks anything to dispute |
| next application | Plans when, where and how to apply again |
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". On a paid Claude plan, you can install it once as a skill instead.
- 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
- EU: you can ask for a person to review a credit decision made solely by automated means, and for meaningful information about how it was reached. The lender answers a data request within one month.
- From 20 November 2026 the new EU Consumer Credit Directive adds a right to a clear explanation and a human review of automated credit checks, and covers most buy now, pay later credit.
- UK: if a credit reference agency's data led to the refusal, the lender must tell you which agency.
- US: you can ask for the specific reasons within 60 days of the notice, and "did not meet our criteria" is not enough. You also get a free copy of the credit report used.
- Brazil: the LGPD and the Cadastro Positivo law give you the main criteria used and a review of an automated decision.
- Found a mistake on your credit report? Fix a Credit Report Error is built for that.
- 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 4,100 words. Attach it to a chat or add it to a project in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work. |
Guides for this
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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