Initial skills documentation — 25 categories, all SKILL.md + references + scripts

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+# DRE Credit Reporting — Legal Analysis
+
+## Can DRE report debtors to credit bureaus?
+
+### Consumer debts (individuals)
+**Yes** — DRE can report to Equifax, Experian, TransUnion but must:
+- Send FDCPA validation notice first
+- Wait 30-day dispute window before reporting
+- Comply with FCRA § 1681s-2 furnisher duties (accuracy, investigation on dispute)
+- Follow Texas § 392.202 dispute process (30-day investigation)
+- Maintain $10K surety bond with Texas SOS (§ 392.101)
+
+### B2B debts — corporate debtors
+**No** — FCRA defines "consumer" as an individual (§ 1681a(c)). Consumer CRAs don't maintain business credit files. Use Dun & Bradstreet, Experian Business, or Equifax Business instead.
+
+### B2B debts — personal guarantors
+**Yes** — individuals who signed personal guarantees are "consumers" under FCRA (per FTC Advisory Opinion to Tatelbaum). All FCRA/FDCPA rules apply.
+
+### B2B debts — sole proprietors
+**Yes** — a sole proprietor is an individual ("consumer"). Same rules as consumer debts.
+
+### Liability risks
+- Incorrect reporting → actual damages + attorney fees + punitive
+- Failure to investigate dispute → $100-$1,000 per violation (FCRA § 1681n)
+- Texas Finance Code § 392.403: $4K/violation
+
+### Business credit bureaus (recommended for B2B)
+- Dun & Bradstreet Global Trade Exchange (free)
+- Experian Business
+- Equifax Business  
+- No FCRA/FDCPA restrictions, no 7-year limitation