Credit readiness plan for a not-yet borrower

A kind, specific plan for a borrower who isn't ready yet, so they come back to you.

Last tested 2026-10-19 Its example inputs were run through Claude Haiku 5.5, and an AI judge (Jev) scored the reply 89/100 for following the rules and doing the task.

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Free. Run it here sends the prompt through our server to Claude and shows the draft on this page (5 runs a day free, 100 on a paid plan); we don't store it. Open in ChatGPT, Claude, or Grok sends the prompt to that tool instead. Sign in there first, or the prompt box may come up empty; if it does, use Copy and paste it in.

Example output

I wrote this by hand on 2026-10-19 from the made-up inputs below, to show what a good result looks like. Your results will vary, so read every draft before you use it.

CopySubject: Your plan for getting mortgage-ready

Hi Jordan,

Thanks for being open with me. Right now isn't the best time to apply, but I think you can get there, and your three years at the same job helps a lot.

Here's what I'd focus on:
1. Pay every bill on time from here on. Recent late payments weigh the most.
2. Pay down your credit card balances, starting with the card closest to its limit.
3. Don't open any new credit accounts for now.
4. Check your free credit reports at annualcreditreport.com and dispute anything that's wrong.

There's no need to pay for a credit repair service. These are things you can do yourself.

Let's check in on [date] and see where you are. No promises on timing, but I'll be honest with you either way.

[Name], [Company], NMLS #[number], Equal Housing Lender

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