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MCP live MCP 2025-11-25 streamable-http

Credit GPS — Canadian credit

ca.creditgps/canadian-credit

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

Watch this dependency Share evidence report
Uptime
100.0%
5 direct probes · 30d
Response
620ms
last probe
Tools
16
callable
Resources
0
readable
Prompts
2
available
Primary URL
https://mcp.creditgps.ca/mcp
Score: 100/100
Handshake verified by our own probe.
pass Answers the MCP handshake 50/50
The handshake and the list calls succeeded on the primary URL.
pass Lists tools, resources or prompts 30/30
16 tools, 0 resources, 2 prompts returned.
pass 3 or more catalogue items 10/10
18 items in total; 3 or more earns these points.
pass Describes itself 10/10
96 characters; more than 30 earns these points.

Tools · 16

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 conversa…

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 payme…

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 …

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 utiliza…

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 tr…

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…

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 …

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…

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 correc…

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…

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…

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 …

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 ev…

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…

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 report…

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, c…

Prompts · 2

check-my-cards

Walks through collecting limits, statement balances, and closing dates, then returns what the bureaus are in line to see and the single next action.

new-to-canada

The ordered path for a newcomer, tailored to how long they have been in Canada and whether their home-country credit history can be imported.

How to use

Claude Desktop or claude.ai: add a custom connector (Customize → Connectors; on Team and Enterprise plans an owner adds it under Organization settings → Connectors) with this server URL: https://mcp.creditgps.ca/mcp

Cursor or Cline: add to your MCP config:

{
  "mcpServers": {
    "credit_gps_\u2014_canadian_credit": {
      "url": "https://mcp.creditgps.ca/mcp",
      "transport": "streamable-http"
    }
  }
}