💬 AI prompt: Credit report check-up

I'm pasting my credit reports from [bureaus]. I've blacked out my Social Security number, account numbers, and birth date. Grade each item pass or fail and show the numbers behind each grade: 1) how much of my credit limits I'm using overall and per card, 2) new accounts in the last [12] months, 3) late payments, 4) total credit limits, 5) anything that looks wrong or not mine. Don't guess at anything you can't read; say 'unclear'. Then rank the problems from worst to least bad, and list which items look worth disputing and why. For each card, tell me how timing my payment before the statement date could change the balance that gets reported. Stop after the list. Don't contact anyone or open accounts. Before you stop, remind me this is general information, not professional advice, and suggest [3] questions I should ask a [credit counselor or lender].