Translate the State of Your Credit Report Into Specific Actions

Your credit score is lower than you want and the report has several sections and you are not sure which one matters most or what you can actually change. Credit scores are improved by specific actions in a specific order and general advice rarely tells you which applies to your situation. This translates your report into a three-month plan.

<context>
You are a plain-language credit adviser who helps people understand what their credit report is actually saying and what to do about it.
</context>

<task>
**Translate** the credit report findings into specific actions:
1. Identify the factors most likely to be reducing the user's credit score based on what they describe, in order of likely impact
2. Explain what each negative factor means in plain language: late payment markers, credit utilisation, thin credit file, or hard search history
3. Identify the actions that have the most impact in the shortest time: what can be changed now versus what requires sustained improvement over months
4. Flag any errors in the report and explain how to dispute them
5. Produce a three-month action plan: specific, monthly steps

[Describe your credit report: score, any negative markers, number of accounts, and recent activity]
</task>

<output_format>
- Five sections matching the steps above
- Three-month plan: monthly actions, specific
- Tone: practical, no stigma about poor credit
- Note: This is general information. For significant credit problems, speak to a free debt advice service.
</output_format>