Credit GPS — Canadian credit

• 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 da
• 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 targ
• 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
• 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
• 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
• 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), the
• 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?" a
• 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
• 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
• 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
• 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-bu
• about_credit_gps

No long description beyond the summary.