Update to Credit Compass

{
  "description": "Assess whether someone is ready to take a loan and how lenders will see them — reading their credit report, overall financial health, irregular freelance or gig income, and what-if scenarios like taking a new loan or closing one. Use for \"why was my loan rejected\", \"explain my CIBIL report\", \"am I ready for a loan\", \"I'm a freelancer, how much can I borrow\", \"what happens if I take a ₹5L personal loan\".",
  "included_files": [],
  "name": "borrowing-readiness",
  "skill_md_contents": "---\nname: borrowing-readiness\ndescription: Assess whether someone is ready to take a loan and how lenders will see them — reading their credit report, overall financial health, irregular freelance or gig income, and what-if scenarios like taking a new loan or closing one. Use for \"why was my loan rejected\", \"explain my CIBIL report\", \"am I ready for a loan\", \"I'm a freelancer, how much can I borrow\", \"what happens if I take a ₹5L personal loan\".\n---\n\n# Borrowing readiness\n\nExplicit instructions from the user override this workflow.\n\n## Credit report\nIf the user shares a CIBIL / bureau report, read the score, total card limits and balances, hard enquiries in the last 6 months, 30+ day late payments in 24 months, any settled / written-off / SMA status, oldest account age, and active secured vs unsecured loans. Call `explain_credit_report`. Explain each factor plainly and give the time-based habits from the result. Be explicit that accurate entries cannot be removed; for inaccurate ones, explain the free bureau dispute route from `disputeRights`. Never suggest paid \"credit repair\".\n\n## Financial health and what-ifs\nCollect take-home income, fixed monthly expenses, each existing loan (outstanding, EMI, rate, months left), emergency savings and other savings. Call `check_financial_health`. For a \"what if\" question, call it once with `whatIf` and present before → after.\n\n## Irregular income\nFor freelancers, gig workers and business owners, get 6–12 months of income (or total the credits in a bank statement the user shares, excluding own-account transfers, refunds and loan disbursals). Call `assess_variable_income`. Explain that banks average two years of ITR income and plan EMIs around the lowest months.\n\n## Answer format\nStart with a one-line readiness verdict, then the 2–3 factors that matter most, then concrete next steps with timeframes. Don't repeat account numbers or personal identifiers from documents.\n"
}