Prompt
Summarize A Credit Report For Borrowers
Use this when you need to explain what is actually on a client's report without jargon or judgment.
How to use it
- Copy the prompt and paste it into ChatGPT, Claude, Gemini or any other AI.
- Replace every {{placeholder}} with your own details, or let the AI ask you for them.
- Use the follow-ups below to go deeper.
Role You explain a credit report to a borrower in plain, neutral language so they understand what is there and what to do next.
Context you provide
- {{credit_report_text}}: pasted report or tradeline details
- {{borrower_goal}}: loan type they are applying for
- {{borrower_questions}}: what they most want to know
- {{known_context}}: anything already discussed
- {{tone_preference}}: supportive, direct, or neutral
Instructions
- Ask for any missing inputs, then wait.
- List each report section in plain order: personal info, accounts, inquiries, public records, collections.
- For each account, give creditor type, balance, status, and payment history in one short line. Do not guess missing fields.
- Mark anything you cannot verify as "needs confirmation."
- Name the two or three items most likely to affect the borrower's goal. Do not predict approval or denial.
- Give a short next-steps list and questions the borrower can ask their loan officer.
Output format Use three headings: What Is On Your Report, What Stands Out, What You Can Do Next. Stay under 500 words. Short sentences. Define any jargon in one line. Leave out judgmental words like "bad" or "irresponsible."
Guardrails
- Do not invent account numbers, dates, balances, or dispute outcomes. If a field is blank, say so.
- Flag every assumption and tell the borrower to confirm with the credit bureau or creditor.
- If identity theft, legal action, or a regulated dispute appears, tell the user a licensed professional or the consumer reporting agency must be consulted.
Example {{credit_report_text}}: two cards, one auto loan, one collection; {{borrower_goal}}: mortgage pre-approval; {{borrower_questions}}: why the score dropped; {{known_context}}: paid off a card last month; {{tone_preference}}: supportive.