creditgps
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 Canadian credit-reporting reference information. No bank or credit-bureau access.
One-click install for Cursor, VS Code, Claude, and 20+ other MCP clients, powered by API Commons MCP Install — visit install.apicommons.org for more information.
Endpoint
Hosted endpoint · transport streamable-http
Connect
This is a remote MCP server — point an MCP client at the endpoint URL. Clients with native remote support (Claude, Cursor, VS Code, …):
For stdio-only clients (older Claude Desktop, etc.), bridge with mcp-remote:
If the server requires authentication, add the provider's token/header (e.g. an X-API-Key) per its docs. A quick reachability check:
Tools
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.get_reported_snapshot— Use this when someone asks how their cards look, where they stand, or which card is the problem.get_statement_calendar— Use this when someone asks about timing, what is coming up, or why the closing date differs from the due date.simulate_paydown— Use this when someone asks what happens if they pay a particular amount, or wants to compare two amounts.compare_cards_for_purchase— Use this when someone asks which card to put a purchase on.get_credit_plan— Use this when someone wants more than the next single action.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?".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.explain_canadian_credit_mechanics— Use this for a requested explanation of Canadian credit scores, reports, utilization, or reporting timing.get_newcomer_credit_path— Use this for any question about building credit as an immigrant, newcomer, international student, or temporary resident in Canada.list_credit_building_products— Use this to retrieve dated reference examples of Canadian secured cards and credit-building products.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.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.explain_when_issuers_report— Use this for "when will this show up on my credit report" or "what day does my bank report".explain_missed_payment— Use this for a missed, late, or nearly-late payment, or for "how long will this hurt me".explain_retention_periods— Use this for any "how long will this stay on my credit report" question.
About MCP
The Model Context Protocol (MCP) is an open protocol Anthropic introduced for connecting LLM-based agents to external tools and data sources. Providers publish MCP servers that expose their API surface as structured, discoverable tools — an MCP-compatible client (Claude Desktop, Cursor, Cline, Continue, etc.) can connect to the server and call its tools without any per-provider integration code.
Browse every MCP server on the APIs.io network or compare with the broader Agent Skill surfaces of the same providers.
Work with this as data
Every MCP server here is available over the APIs.io API and to AI agents over MCP.