Credit GPS — Canadian credit MCP Server

by creditgps Your server? Claim it

answering

Credit GPS — Canadian credit is answering right now. Last checked 10 min ago. It exposes 16 tools.

Canadian credit: statement-cycle and utilization math, plus bureau and reporting reference data.

The linked repository no longer exists on GitHub — it was deleted or made private.

Uptime history 71 days of history · worst day 98%

71 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

194 ms

Response time

average over 24h

open, no key

Access

streamable-http

What changed 33

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 7 September 2026. No other catalogue keeps this.

7 Sep 14 tools appeared calculate_payoff_timeline, compare_cards_for_purchase, describe_credit_gps and 11 more

7 Sep 14 tools disappeared about_credit_gps, canadian_credit_mechanics, close_card_impact and 11 more

7 Sep 3 tool descriptions were rewritten describe_credit_gps, find_statement_close_date, simulate_paydown

7 Sep a tool changed version2 times that day

and 1 more, back to 7 September 2026

Tools have disappeared from this server

A tool that vanishes takes a piece of your agent with it, and the change arrives silently. Watch this server and every such change lands in your inbox.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 10 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add canadian-credit --transport http https://mcp.creditgps.ca/mcp

Settings → Connectors → Add custom connector, then paste this address

https://mcp.creditgps.ca/mcp

~/.codex/config.toml

[mcp_servers.canadian-credit]
url = "https://mcp.creditgps.ca/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "canadian-credit": {
      "url": "https://mcp.creditgps.ca/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "canadian-credit": {
      "type": "http",
      "url": "https://mcp.creditgps.ca/mcp"
    }
  }
}

Available tools 16

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

explain

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 correction to the common United States-based answer: the 300-900 scale and two-bureau market, statement-close versus due-date reporting, provincial rather than federal regulation, soft pulls and free-report rights, how utilization is read, and why open banking does not open up bureau data. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

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 reported at all, the Canadian R1-R9 rating scale a tradeline actually carries, and how long a reported late payment stays on the file. The Canadian answer differs from the American one on both the scale and the duration, and the 30-day gap is frequently actionable, because a payment caught inside it often never reaches the file. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

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, consumer proposals, judgments. Durations differ by information type, bureau, and province. Returns those distinctions and source links. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

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 why an Equifax file and a TransUnion file for the same person differ. This bundled reference has no verified per-issuer transmission calendar and returns no exact reporting day. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

credit

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, then imminent minimums), then goal steps, each with the specific action, the mechanism behind it, and a date. The plan is returned as text and structured data for the person to act on themselves; nothing is scheduled or executed. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

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 in Canada, grouped by how established they are, with which bureau each reports to. Single-bureau reporting is the detail most often missed: several well-known products report to Equifax only, which leaves the TransUnion file empty. Also flags the warning signs on upfront-fee credit repair and advertised-certainty lending. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

statement

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 every other tool here depends on and the one most people have never been shown. Give a payment due date and it also derives an estimate, because federally regulated issuers must allow at least a 21-day interest-free grace period measured from the close. It looks nothing up on any account; the estimate is arithmetic on the date supplied. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

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 read), and when each payment is due (the delinquency line). Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

calculate

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 that time. This is a cost question, not a reporting one: it does not change what the bureaus see, so use get_reported_snapshot or simulate_paydown for that. Requires the card's purchase APR; without it no timeline is returned, because the rate decides the answer. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

compare

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 trade-off when those differ, because the card the bureaus notice least is often not the card with the lowest rate. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

describe

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 their figures in the Credit GPS application for score tracking. This tool provides instructions; it cannot save entries or retrieve score history. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

estimate

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 card; it only explains and calculates. With no card figures it returns general closure considerations and retention information. Supply figures for a hypothetical paid-off closure calculation. Supply cards and cardName as well and it additionally computes the exact utilization before and after, the limit leaving the denominator, and whether it crosses a band upward. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

newcomer

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 a SIN arrives, whether their home-country history can be imported and at which banks, how to get a first tradeline, and what accumulates after that. Supply the home country for a specific answer on credit import; coverage is partial, and several of the largest source countries for Canadian newcomers are not covered at all. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

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 conversation: which card, how much, and by which date. The calculation uses the supplied statement closing date as a planning assumption; actual issuer reporting dates can differ. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

reported

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 payment to reach the target. It does not determine future bureau-reported balances. This is the difference between today's balance and the figure the issuer transmits. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

simulate

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 utilization before and after, per card and blended. No score change is predicted. It is a calculation only; no payment is made. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

Tools removed

Tools this server used to expose. Anything built against them stopped working on the day they went.

about_credit_gps

removed 7 Sep 2026

canadian_credit_mechanics

removed 7 Sep 2026

close_card_impact

removed 7 Sep 2026

credit_plan

removed 7 Sep 2026

credit_product_landscape

removed 7 Sep 2026

how_long_it_stays

removed 7 Sep 2026

missed_payment_guide

removed 7 Sep 2026

newcomer_credit_path

removed 7 Sep 2026

next_move

removed 7 Sep 2026

payoff_timeline

removed 7 Sep 2026

purchase_impact

removed 7 Sep 2026

reported_snapshot

removed 7 Sep 2026

statement_calendar

removed 7 Sep 2026

when_issuers_report

removed 7 Sep 2026

Endpoints

URL	Transport	State	Latency	Checked
https://mcp.creditgps.ca/mcp	streamable-http	answering	206 ms	10 min ago

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Credit GPS — Canadian credit — questions

Answers built from our own checks of this server.

What can Credit GPS — Canadian credit do?

It exposes 16 tools, read directly from the server on our last check. Among them: calculate_payoff_timeline, compare_cards_for_purchase, describe_credit_gps, estimate_close_card_impact, explain_canadian_credit_mechanics, explain_missed_payment and 10 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

What is Credit GPS — Canadian credit mostly used for?

Its tools cluster around explain, statement and credit. That is what this server is built to work with — the grouping comes from the actual tool names, not from a category we assigned.

Is Credit GPS — Canadian credit working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 194 ms. The bar chart above shows every period we have measured.

Did Credit GPS — Canadian credit ever remove tools?

Yes. about_credit_gps, canadian_credit_mechanics, close_card_impact, credit_plan and 10 more are no longer exposed — we recorded the date each one disappeared. A tool vanishing usually means a breaking change for anything that depended on it.

Is Credit GPS — Canadian credit still maintained?

The linked repository no longer exists on GitHub — it was deleted or made private. We show this because it changes what you can expect: an unmaintained server may keep answering for months and then stop without warning.

How do I connect Credit GPS — Canadian credit?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does Credit GPS — Canadian credit need an API key?

No. Credit GPS — Canadian credit completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 16 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is Credit GPS — Canadian credit?

It answers our handshake in 194 ms on average, which is faster than 72% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.