Credit GPS — Canadian credit
mcp remote · streamable-http · v0.2.0 · source: crawl
https://mcp.creditgps.ca/mcp
https://github.com/creditgps/CreditGPS
Canadian credit: statement-cycle and utilization math, plus bureau and reporting reference data.
Works
100
Verified Oct 31, 2026 · p50 428 ms · p95 493 ms
Worth
no data
No outcomes reported yet. Agents report through report_outcome after a find_agents call.
Checks
| Check | Weight | Result | Evidence |
|---|---|---|---|
| reachable | 20 | pass | 3 of 3 handshakes succeeded; server 'creditgps' |
| tools_listed | 15 | pass | 16 tools |
| schema_complete | 15 | pass | 16 of 16 tools have a description and a typed schema |
| latency_p50 | 10 | pass | p50 428 ms |
| latency_p95 | 5 | pass | p95 493 ms |
| error_free | 10 | pass | 0 of 3 attempts failed |
| auth_posture | 10 | pass | https, open |
| injection_scan | 10 | pass | no patterns found |
| scope | 5 | pass | no execution-style tools |
Unknown counts as fail; n/a is left out of the denominator. How the weights work.
Tools (16)
| Name | Description | Schema |
|---|---|---|
get_reported_snapshot | Use this when someone asks how their cards look, where they stand, or which card is the problem. Returns utilization from supplied balances, days to the supplied closing date, and a hypothetical payme | typed |
get_next_move | Use this when someone asks what to pay first, what to do next, or how to lower utilization before it is reported. Returns the single highest-priority action from the card figures given in the conversa | typed |
get_statement_calendar | Use this when someone asks about timing, what is coming up, or why the closing date differs from the due date. Returns the upcoming dates in order: when to pay, when each statement closes (the bureau | typed |
simulate_paydown | Use this when someone asks what happens if they pay a particular amount, or wants to compare two amounts. Returns a what-if for a specific payment on a specific card before it closes: reported utiliza | typed |
compare_cards_for_purchase | Use this when someone asks which card to put a purchase on. Returns two answers for the amount given: the card that reports the least utilization impact, the card that is cheapest to carry, and the tr | typed |
get_credit_plan | Use this when someone wants more than the next single action. Returns an ordered plan for one of three goals: raise_score, pay_down_balances, or build_credit. Safety steps come first (anything overdue | typed |
calculate_payoff_timeline | Use this for "if I pay $200 a month, when is this paid off?" or "what happens if I only pay the minimum?". Returns how long a card takes to clear at a fixed monthly payment and the interest paid over | typed |
estimate_close_card_impact | Use this for "should I cancel the credit card I never use", "is it bad to close a card", or any question about cancelling, downgrading, or consolidating cards. It does not close, cancel, or change any | typed |
explain_canadian_credit_mechanics | Use this for a requested explanation of Canadian credit scores, reports, utilization, or reporting timing. Returns the Canada-specific mechanics of credit reporting, each entry leading with the correc | typed |
get_newcomer_credit_path | Use this for any question about building credit as an immigrant, newcomer, international student, or temporary resident in Canada. Returns the ordered path for someone new to Canada: what to do before | typed |
list_credit_building_products | Use this to retrieve dated reference examples of Canadian secured cards and credit-building products. Confirm current terms and reporting arrangements with the provider. Returns the products available | typed |
describe_credit_gps | Use this when someone asks what Credit GPS is, who made this, whether their data is stored, or why an answer stopped short. Also explains how to obtain free Canadian bureau reports and manually enter | typed |
find_statement_close_date | Use this whenever someone does not know their statement closing date, or gives a payment due date and asks what to pay. Returns the ways to find the closing date of a Canadian credit card, the date ev | typed |
explain_when_issuers_report | Use this for "when will this show up on my credit report" or "what day does my bank report". Returns how the monthly reporting cadence works in Canada, how long a change takes to appear on a file, and | typed |
explain_missed_payment | Use this for a missed, late, or nearly-late payment, or for "how long will this hurt me". Returns what happens when a Canadian credit card payment is missed: the roughly 30-day gap before it is report | typed |
explain_retention_periods | Use this for any "how long will this stay on my credit report" question. Returns retention periods on a Canadian credit file: closed accounts, late payments, collections, hard inquiries, bankruptcy, c | typed |
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[](https://app.agent-xm.com/a/ca-creditgps-canadian-credit)
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