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BD credit-scorecard

基于监督学习、决策树或聚类等多种算法，自动为评分卡变量生成最优分箱边界，同时支持单调性约束和缺失值处理。

ClawHub Agent Skills author: Tang Weigang v0.3.3 MIT-0 19 files body ≈ 985 tokens Open the sourceclawhub.ai↗ analyzed 4 d ago

As a process D 46/100 · Unfinished process — weak spots: result and completion, when it triggers, inputs and preconditions

ProcedureInfrastructuretype and topics are labelled automatically from the skill text
Runs in: OpenClaw Claude / Claude Code ChatGPT / Codex Gemini CLI Cursor GitHub Copilot / VS Code Qwen Code Kimi Code CLI Z.ai (GLM) DeepSeek (Deep Code) Mistral Vibe LangChain (deepagents) Goose OpenCode
JSON
Technical rating
B
83/100
safety, quality, tests
Safety 60%
91
Quality 40%
70
Run on models
none yet
Process rating
D
46/100
Unfinished process
Result and completion w 14
0
Inputs and preconditions w 11
0
Failures and branches w 10
0
the three weakest of ten parameters · all ten

How to improve

  1. Say in the description WHEN to use the skill ("use when…", example requests): that is the agent's main cue.
For the model run — optional
  • Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
  • A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.

Guard findings · 9

✓ No critical or high findings

Medium and low: 9
  • low Secrets in code secret-high-entropy-token references/ANTI_PATTERNS.md:51
    High-entropy token-like string (may be an id, hash or a credential)
    ## fina…rix (4)
  • low Secrets in code secret-high-entropy-token references/seed.yaml:192
    High-entropy token-like string (may be an id, hash or a credential) (detector / deny-list definition)
    project_source: fina…rix
    detector
  • low Secrets in code secret-high-entropy-token references/seed.yaml:206
    High-entropy token-like string (may be an id, hash or a credential) (detector / deny-list definition)
    project_source: fina…rix
    detector
  • low Secrets in code secret-high-entropy-token references/seed.yaml:219
    High-entropy token-like string (may be an id, hash or a credential) (detector / deny-list definition)
    project_source: fina…rix
    detector
  • low Secrets in code secret-high-entropy-token references/seed.yaml:232
    High-entropy token-like string (may be an id, hash or a credential) (detector / deny-list definition)
    project_source: fina…rix
    detector
  • low Secrets in code secret-high-entropy-token references/seed.yaml:259
    High-entropy token-like string (may be an id, hash or a credential) (detector / deny-list definition)
    source_project: fina…ard, fina…rix
    detector
  • low Secrets in code secret-high-entropy-token references/WISDOM.md:16
    High-entropy token-like string (may be an id, hash or a credential)
    **From**: fina…ard, fina…rix · **Applicable to**: credit-risk
  • low Secrets in code secret-high-entropy-token references/WISDOM.md:26
    High-entropy token-like string (may be an id, hash or a credential)
    **From**: fina…ard, fina…rix · **Applicable to**: credit-risk
  • low Secrets in code secret-high-entropy-token references/WISDOM.md:36
    High-entropy token-like string (may be an id, hash or a credential)
    **From**: fina…ard, fina…rix · **Applicable to**: credit-risk

Files scanned: 19. Evidence is masked. Grey chips explain why severity was lowered.

Against the Agent Skills spec

  • warning description-no-when description does not say WHEN to use the skill (no "use when")

Process rating: all ten parameters 46/100

  • 0Result and completion. Does not say what the result is
  • 0Inputs and preconditions. Does not say what the process needs to start
  • 0Failures and branches. Linear process with no failure handling
  • 0Progress reporting. Says nothing while it works
  • 20When it triggers. No condition that starts the skill
  • 60Tools and files. Uses tools (web) that frontmatter does not declare
  • 100Steps. 8 steps
  • 100Consistency. Name and required fields are in place
  • 100Execution cost. Instruction body is 985 tokens
  • 100Running it twice. No mutating operations

Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.

Quality signals

  • +5Description has no quoted example phrases that should trigger the skill
  • +4Description does not say when NOT to use the skill (false activations)
  • +3Description length 52: 120–800 characters recommended
  • +3Output format is not stated: the model decides each time
  • +4No input/output examples
  • +2Single-language instructions
  • +4Structure: 11 headings
  • +3Step-by-step instructions: 8 items
  • +4Reference files are cited in the instructions (6 of 6)
  • +1License stated

Quality base 70; lint remarks subtract, signals add up to 100. Result: 70.

External checks

ClawHub: suspicious
This skill is advertised as credit-scorecard bucketing but contains substantial stock/crypto trading, market-data, backtesting, and local setup instructions that users should review before installing.
LLM: suspicious (high) · VirusTotal: · 29 May 2026