Credit GPS — Canadian credit is answering right now. Last checked 12 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
9 days of history
9 days agonow
100.0%
Uptime 24h
91 of 91 checks
16
Tools
read from the server
250 ms
Response time
average over 24h
open, no key
Access
streamable-http
This one has been quiet for a while
Quiet is not dead — but it is worth knowing when it wakes up, or when someone else takes it over. We watch the repository and tell you either way.
Connect this server
Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 12 min ago.
run in your terminal
claude mcp add canadian-credit --transport http https://mcp.creditgps.ca/mcp~/Library/Application Support/Claude/claude_desktop_config.json
{
"mcpServers": {
"canadian-credit": {
"url": "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
{
"mcpServers": {
"canadian-credit": {
"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.
credit
credit_plan
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. Use it when someone wants more than the next single action.
credit_product_landscape
Secured cards, credit-builder loans, and rebuild 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. Use this instead of recalling product names, which for Canada are frequently confused with United States products.
statement
find_statement_close_date
How to find the statement closing date for 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. Call this whenever someone does not know their closing date, or gives a due date and asks what to pay. It is more useful than guessing the date and running the numbers anyway.
statement_calendar
The upcoming dates that matter, in order: when to pay, when each statement closes (the bureau read), and when each payment is due (the delinquency line). Use it when someone asks about timing, what is coming up, or why the closing date differs from the due date.
about
about_credit_gps
What this server is, what it deliberately does not do, and where its limits are. Call it when someone asks what Credit GPS is, who made this, whether their data is stored, or why an answer stopped short.
canadian
canadian_credit_mechanics
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. Call this before answering any question about Canadian credit scores, credit reports, bureaus, or reporting timing. Answering from general knowledge produces United States answers that are wrong in Canada.
close
close_card_impact
Answers "should I cancel the credit card I never use", "is it bad to close a card", and any question about cancelling, downgrading, or consolidating cards. CALL THIS WITH NO ARGUMENTS when the person has not given card numbers — it returns the Canadian mechanics and the retention rules, which are the parts a general answer gets wrong. Do not answer a card-closing question from general knowledge while collecting figures; call this first, then ask for what is missing. 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.
how
how_long_it_stays
Retention periods on a Canadian credit file: closed accounts, late payments, collections, hard inquiries, bankruptcy, consumer proposals, judgments. Several differ from the American figures that dominate general knowledge — six years rather than seven for a late payment, three years rather than two for a hard inquiry — so each entry names the American answer where it differs. Call this for any "how long will this stay on my credit report" question.
missed
missed_payment_guide
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. Call this for a missed, late, or nearly-late payment, or for "how long will this hurt me". The Canadian answer differs from the American one on both the scale and the duration, and the 30-day gap is frequently actionable — a payment caught inside it often never reaches the file.
newcomer
newcomer_credit_path
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 to get a specific answer on credit import — coverage is partial, and several of the largest source countries for Canadian newcomers are not covered at all. Use this for any question about building credit as an immigrant, newcomer, international student, or temporary resident in Canada.
next
next_move
The single highest-priority credit action right now: which card, how much, and by which date. Dated to the statement CLOSING date rather than the payment due date, because the closing balance is what Canadian issuers report to the bureaus. Use this when someone asks what to pay, what to do first, or how to lower utilization before it is reported. Deterministic arithmetic — same inputs, same answer.
payoff
payoff_timeline
How long a card takes to clear at a fixed monthly payment, and what the interest costs over that time. Answers "if I pay $200 a month, when is this paid off?" and "what happens if I only pay the minimum?". This is a cost question, not a reporting one — it does not change what the bureaus see. Use 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.
purchase
purchase_impact
Before a large purchase: which card reports the least damage, which is cheapest to carry, and the trade-off when those are different cards. Returns both answers rather than one, because the card the bureaus notice least is often not the card with the lowest rate. Use it when someone asks which card to put something on.
reported
reported_snapshot
Per card: the balance in line to be reported at the next statement close, utilization, days left to change it, and the payment that would bring the card to target before it closes. This is the view that does not exist in a chat window — it is the difference between today's balance and the figure the issuer transmits. Use it when someone asks how their cards look, where they stand, or which card is the problem.
simulate
simulate_paydown
What-if for a specific payment: pay this amount on this card before it closes, and here is the reported utilization before and after, per card and blended, plus a bounded modelled range. Use it when someone asks what happens if they pay a particular amount, or wants to compare two amounts.
when
when_issuers_report
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. Also states plainly what is not knowable: no Canadian issuer publishes the exact day it transmits, so no specific day is given here. Call this for "when will this show up on my credit report" or "what day does my bank report".
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://mcp.creditgps.ca/mcp | streamable-http | answering | 342 ms | 12 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: about_credit_gps, canadian_credit_mechanics, close_card_impact, credit_plan, credit_product_landscape, find_statement_close_date 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 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 250 ms. The bar chart above shows every period we have measured.
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 with the file path 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 250 ms on average, which is faster than 64% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.