# Credit GPS

**Canonical:** https://apis.io/providers/creditgps-ca/  
**Website:** https://creditgps.ca/  
**APIs profiled:** 1

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.

## Kin Score — 21.7 / 100 (emerging)

Scored 2026-11-13 under rubric 0.28.0.

| Facet | Score |
|---|---|
| Discoverability | 65.0 |
| Contract Quality | 7.2 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 16.7 |
| Access Clarity | 59.6 |

Regulatory layer — **Payments**: 7.1 (matched via tags).

## Agent readiness — 6.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |
| MCP Tool Quality | na |

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: low).

## APIs (1)

- **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)

- **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...

## Security (1)

- **Credit GPS Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Credit GPS Plans Pricing**

## Tags

Company, Credit Score, Personal Finance, Fintech, Canada, Credit Cards, Financial Education

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/creditgps-ca/). Scores are computed from the provider's own public artifacts under a published rubric.