Credit GPS

Credit GPS (Credit GPS Inc., creditgps.ca) is a Canadian credit-coaching app aimed especially at newcomers building a Canadian credit file. It connects to credit cards read-only through Plaid (statement balances, limits, due dates and reporting cycles), runs a utilization engine against the bureau-reporting cycle, and tells users exactly what to pay, on which card, by which date, with a forecast score lift and confidence band. Offered in 8 languages with a 14-day free trial, on the web (app.creditgps.ca) and Android; PIPEDA-aligned and Bill 96 compliant.

Credit GPS is listed with 1 API on the APIs.io network. Tagged areas include Company, Credit Score, Personal Finance, Fintech, and Canada.

Credit GPS’s developer surface includes engineering blog, support, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

21.7/100 emerging Agent 6/100 agent aware Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFreemium

1 API 1 MCP Servers

Company Credit Score Personal Finance Fintech Canada Credit Cards Financial Education

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 21.7/100 · emerging

Contract Quality 1.5 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 10.1 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.5 / 9

Regulatory Posture 1.1 / 15

Agent readiness — 6/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 7.2 — up to +23.2 composite points Ask about this →
Developer Ergonomics scores 16.7 — up to +16.7 composite points Ask about this →
Operational Transparency scores 0.0 — up to +13.0 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/creditgps-ca/apis.yml: open an issue on github.com/api-evangelist/creditgps-ca to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Credit GPS MCP Server

Public remote MCP server (streamable HTTP, stateless, server version 0.3.1, registry name ca.creditgps/canadian-credit) that calculates credit-card utilization, compares payment...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Credit GPS MCP Server

Public remote MCP server from Credit GPS (registry name ca.creditgps/canadian-credit). Calculates credit-card utilization, payment scenarios and payoff timelines from figures th...

MCP SERVER

Credit GPS API pricing

Prices published by Credit GPS.

Plan	Price
Free	A free account
Paid subscription	$9.99 CAD per month after a 14-day free trial

1 properties

JSON SCHEMA

Creditgps Ca Mcp Tools List

0 properties

JSON SCHEMA

simulate_paydown

4 properties

JSON SCHEMA

Scroll for all 17

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Credit GPS Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Documentation 1

Reference material describing how the API behaves

AIPreferences

AIPreferences

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

Build 1

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 5

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

UsageTerms

DataLicense

Company 4

The organization behind the API

Website

Blog

Twitter

Instagram

Other 4

Properties that don't map to a standard resource type

Hosts

Vendors

DataProcessing

Eligibility

Source (apis.yml)

aid: creditgps-ca
name: Credit GPS
description: Credit GPS (Credit GPS Inc., creditgps.ca) is a Canadian credit-coaching app aimed especially at newcomers building
  a Canadian credit file. It connects to credit cards read-only through Plaid (statement balances, limits, due dates and reporting
  cycles), runs a utilization engine against the bureau-reporting cycle, and tells users exactly what to pay, on which card,
  by which date, with a forecast score lift and confidence band. Offered in 8 languages with a 14-day free trial, on the web
  (app.creditgps.ca) and Android; PIPEDA-aligned and Bill 96 compliant.
url: https://artifacts.apis.io/creditgps-ca/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-04 (modular-v1; was harvest)
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  probe_state: covered
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
specificationVersion: '0.20'
created: '2026-11-04'
modified: '2026-11-04'
tags:
- Company
- Credit Score
- Personal Finance
- Fintech
- Canada
- Credit Cards
- Financial Education
tags_raw:
- Company
- Credit Scores
- Personal Finance
- Fintech
- Canada
- Credit Cards
- Financial Education
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
image: https://creditgps.ca/og-image.png
common:
- type: Plans
  url: plans/creditgps-ca-plans-pricing.yml
- type: LLMsTxt
  url: llms/creditgps-ca-llms.txt
- type: MCPServer
  url: mcp/creditgps-ca-mcp.yml
- type: Hosts
  url: hosts/creditgps-ca-hosts.yml
- type: IntegrationEdges
  url: integrations/creditgps-ca-integration-edges.yml
- type: Vendors
  url: vendors/creditgps-ca-vendors.yml
- type: DomainSecurity
  url: security/creditgps-ca-domain-security.yml
- type: Website
  url: https://creditgps.ca/
- type: Blog
  url: https://creditgps.ca/blog/
- type: Login
  url: https://app.creditgps.ca/
- type: Support
  url: https://creditgps.ca/contact/
- type: TermsOfService
  url: https://creditgps.ca/terms/
- type: PrivacyPolicy
  url: https://creditgps.ca/privacy/
- type: Twitter
  url: https://x.com/creditgps
- type: Instagram
  url: https://www.instagram.com/creditgps.ca/
- type: UsageTerms
  url: terms/creditgps-ca-terms-of-service.yml
- type: DataProcessing
  url: privacy/creditgps-ca-privacy-policy.yml
- type: Eligibility
  url: eligibility/creditgps-ca-eligibility.yml
- type: AIPreferences
  url: ai-preferences/creditgps-ca-ai-preferences.yml
- type: DataLicense
  url: data-license/creditgps-ca-data-license.yml
apis:
- aid: creditgps-ca:creditgps-mcp
  name: Credit GPS MCP Server
  description: Public remote MCP server (streamable HTTP, stateless, server version 0.3.1, registry name ca.creditgps/canadian-credit)
    that calculates credit-card utilization, compares payment scenarios and estimates payoff timelines from figures the user
    provides, plus Canadian credit-reporting reference information. No bank or credit-bureau access. Exposes 16 tools (e.g.
    get_next_move, simulate_paydown, get_statement_calendar, calculate_payoff_timeline, explain_retention_periods); tools/list
    answered anonymously on 2026-11-04.
  humanURL: https://creditgps.ca/
  baseURL: https://mcp.creditgps.ca/mcp
  tags:
  - MCP
  - Credit Score
  - Credit Cards
  tags_raw:
  - MCP
  - Credit Scores
  - Credit Cards
  properties:
  - type: JSONSchema
    name: MCP tools/list (verbatim, with input and output schemas)
    url: json-schema/creditgps-ca-mcp-tools-list.json
  - type: Documentation
    name: MCP Registry entry
    url: https://registry.modelcontextprotocol.io/v0/servers?search=creditgps
x-coverage:
  state: covered
  reason: identity-verified
  detail: Name, description, image and pointers taken from creditgps.ca (title "Credit GPS", footer "© 2026 Credit GPS Inc.").
    No developer portal, API docs or pricing page linked from the site.
  evidence:
  - url: https://creditgps.ca/
    status: 200
  - url: https://creditgps.ca/blog/
    status: 200
  - url: https://app.creditgps.ca/
    status: 200
  - url: https://creditgps.ca/contact/
    status: 200
  - url: https://creditgps.ca/terms/
    status: 200
  - url: https://creditgps.ca/privacy/
    status: 200
  - url: https://creditgps.ca/og-image.png
    status: 200
  - url: https://x.com/creditgps
    status: 200
  - url: https://www.instagram.com/creditgps.ca/
    status: 200
x-enrichment:
  date: '2026-11-04'
  status: enriched
  artifacts_added: 30
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Credit GPS API — frequently asked questions

Does Credit GPS have an API?

Yes. APIs.io lists 1 API from Credit GPS, including Credit GPS MCP Server.

How much does the Credit GPS API cost?

Credit GPS publishes its prices; its Free plan is A free account as of 2026-11-04. APIs.io lists 2 pricing plans for Credit GPS, with each plan's price, limits and inclusions under Pricing on this page.

Does Credit GPS have an MCP server?

Yes. APIs.io lists 1 MCP server for Credit GPS: Public remote MCP server from Credit GPS (registry name ca.creditgps/canadian-credit). Calculates credit-card utilization, payment scenarios and payoff timelines from figures the user supplies, plus C

Is the Credit GPS API ready for AI agents?

Credit GPS has a Kin Score of 21.7 out of 100 (emerging) and an Agent Readiness score of 6.0 (agent-aware), scored by API Evangelist on 2026-11-13.

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