consumer-credit-monitoring

Use this skill for FCRA strategy: proof of harm and propagating corrections. Triggers include "should I apply for credit", "generate a denial letter", "adverse action letter", "send corrected report to everyone", "soft vs hard inquiry", "re-notify after dispute", "1681i(d)", "annual report review", "review on my birthday", "check report after data breach". Covers applying for credit to generate adverse-action letters, demanding CRA re- send corrected reports to all recipients (§ 1681i(d) — 6-month / 2-year employment), monitoring inquiries, re-pulling after data- breach notices, and annual reviews. Produces § 1681i(d) re- notification demands, annual checklists, and post-breach checklists. Composes with consumer-report-ordering, consumer- credit-disputes, consumer-report-accuracy, consumer-harm- documentation, state *-consumer-debt bundles, and state *-pro-se.