{"id":"life-job-credit-report-check","audience":"job-seekers","category":"everyday-life","track":"life","technique":"grounding","title":"Spot the credit report items worth disputing","free":false,"task":"A landlord will check your credit soon, so you read your credit report against your own records. Get exactly 3 numbered lines, one per item your records say is wrong (skip anything your notes say is accurate), each like \"1. Item: what the report shows. My record: what you have.\" End with the line \"This isn't legal or financial advice.\" Under 100 words, plain text. Write a prompt that gets you exactly that.","materialLabel":"Your credit report excerpt and notes (attached to your prompt automatically)","material":"CREDIT REPORT EXCERPT - Prepared for Malik Johnson (fictional)\nReport date: 10/30/2026\n\nACCOUNTS\n- Harborline Visa | Opened 03/2019 | Balance $1,240 | Status: 30 days late, 06/2026\n- Crestview Auto Finance | Opened 08/2022 | Balance $8,900 | Status: Pays as agreed\n- Bayside Card | Opened 01/2021 | Balance $0 | Status: 30 days late, 02/2024\nCOLLECTIONS\n- Northgate Recovery for \"Elmwood Urgent Care\" | $340 | Reported 09/2026\nHARD INQUIRIES\n- Crestview Auto Finance, 08/2022\n- Summit Mobile, 07/2026\n- QuickLoan Direct, 09/2026\n\nMY RECORDS AND NOTES\n- Harborline: my bank shows the June payment posted 06/12, before the 06/15 due date. I have the confirmation number.\n- Bayside 2024 late: yeah, that one was my fault, I was moving.\n- Elmwood Urgent Care: I've never been there. My insurance claims history has no visit.\n- Summit Mobile: I opened a phone plan in July, that's mine.\n- QuickLoan Direct: never applied for anything with them.\n- Friend says you can get ANY negative item removed if you dispute it enough times.","rules":[{"type":"numberedItems","count":3},{"type":"maxWords","max":100},{"type":"plainText"}],"mistakes":[{"title":"Disputing everything","why":"The AI flags every negative item, including the late payment your notes say was really yours.","fix":"Add: \"Only items my records say are wrong. Skip what my notes say is accurate.\"","checks":["r0"]},{"title":"Not pairing report and records","why":"The AI says items \"look suspicious\" without the proof you'll need.","fix":"Show it: \"1. Item: what the report shows. My record: what I have.\"","checks":["r1","numberedItems"]},{"title":"Repeating the friend's claim","why":"The AI picks up the idea that any item can be removed, which isn't something it can promise.","fix":"Add: \"No promises about outcomes. Last line: This isn't legal or financial advice.\"","checks":["r2"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting. Ask for \"under 100 words\" and it often lands well over.","fix":"Cap each part: \"each line under 20 words.\"","checks":["maxWords"]},{"title":"Leaving the format to the AI","why":"The AI adds a title, bold labels and sub-bullets, which turns a quick note into a page.","fix":"Add: \"Plain text, no bold, no headings, no intro.\"","checks":["plainText"]}],"promptHints":[{"label":"Uses your records","patterns":["my (records|notes)","compare","against"]},{"label":"Skips accurate items","patterns":["skip","accurate","only (the )?(items|ones).{0,20}wrong","my fault"]},{"label":"Shows the line shape","patterns":["my record:","like:?","format"]},{"label":"Adds the disclaimer","patterns":["legal (or financial )?advice","disclaimer"]},{"label":"Sets a word limit","patterns":["\\d+\\s*words","word (limit|count)"]}],"hint":"The AI can't tell an error from a fair mark without your records. Tell it to compare, to skip what's accurate, and show it the line you want.","rubricLabels":["The 3 items are exactly the Harborline June 2026 late payment, the Northgate/Elmwood Urgent Care $340 collection, and the QuickLoan Direct inquiry, leaving out the Bayside late payment and the Summit Mobile inquiry","Each line has the label \"My record:\" followed by his own record (payment posted 06/12 with a confirmation number, no visit in his insurance claims history, never applied with QuickLoan)","The last line is \"This isn't legal or financial advice.\" and the answer doesn't claim that any negative item can be removed just by disputing it"]}