{"$schema":"https://wellknown.network/schemas/agent-record-v1.json","schemaVersion":"1","id":"ag_4rnve9u2atmw","handle":"credit-gps-canadian-credit","url":"https://wellknown.network/agents/credit-gps-canadian-credit","links":{"self":"https://wellknown.network/agents/credit-gps-canadian-credit/record.json","html":"https://wellknown.network/agents/credit-gps-canadian-credit","markdown":"https://wellknown.network/agents/credit-gps-canadian-credit/record.md","api":"https://wellknown.network/api/v1/agents/credit-gps-canadian-credit","status":"https://wellknown.network/api/v1/agents/credit-gps-canadian-credit/status","claim":"https://wellknown.network/agents/credit-gps-canadian-credit/claim","claimApi":"https://wellknown.network/api/v1/claims","badge":"https://wellknown.network/agents/credit-gps-canadian-credit/badge.svg","openapi":"https://wellknown.network/openapi.json"},"ard":{"identifier":"urn:air:mcp.creditgps.ca:server:credit-gps-canadian-credit","type":"application/mcp-server-card+json"},"kind":"mcp_server","declared":{"name":"Credit GPS — Canadian credit","summary":"Canadian credit: statement-cycle and utilization math, plus bureau and reporting reference data.","description":"Canadian credit: statement-cycle and utilization math, plus bureau and reporting reference data.","publisher":{"name":"ca.creditgps","url":null},"homepage":"https://creditgps.ca","repository":"https://github.com/creditgps/CreditGPS","version":"0.2.0","license":null,"protocols":["mcp"],"tags":[],"pricing":null,"endpoints":[{"url":"https://mcp.creditgps.ca/mcp","type":"mcp_streamable_http","auth":null,"probeable":true}],"skills":null,"tools":null,"extra":{"updatedAt":"2026-08-23T23:42:45.005289Z","publishedAt":"2026-08-23T23:42:45.005289Z","registryName":"ca.creditgps/canadian-credit"},"attribution":{"kind":"mcp_registry","name":"mcp_registry","repoUrl":"mcp_registry","summary":"mcp_registry","version":"mcp_registry","description":"mcp_registry","homepageUrl":"mcp_registry","publisherName":"mcp_registry"}},"derived":{"capabilities":[{"slug":"commerce.payments","name":"Payments","confidence":1,"provenance":"derived"},{"slug":"productivity.calendar","name":"Calendar & Scheduling","confidence":0.525,"provenance":"derived"},{"slug":"commerce.ecommerce","name":"E-commerce Operations","confidence":0.525,"provenance":"derived"}],"categories":["commerce","productivity"]},"observed":{"status":"live","statusReason":"Responded 3h ago.","lastOkAt":"2026-09-05T19:26:54.494Z","lastProbedAt":"2026-09-05T19:26:54.494Z","statusComputedAt":"2026-09-05T19:28:26.779Z","reliability30d":{"probes":1,"successRate":1,"p50Ms":136},"latestObservations":[{"at":"2026-09-05T19:26:54.494Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":136,"error":null,"detail":{"tools":[{"name":"next_move","description":"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"},{"name":"reported_snapshot","description":"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"},{"name":"statement_calendar","description":"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"},{"name":"simulate_paydown","description":"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"},{"name":"purchase_impact","description":"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"},{"name":"credit_plan","description":"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"},{"name":"payoff_timeline","description":"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"},{"name":"close_card_impact","description":"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"},{"name":"canadian_credit_mechanics","description":"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"},{"name":"newcomer_credit_path","description":"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"},{"name":"credit_product_landscape","description":"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"},{"name":"about_credit_gps","description":"What this server is, what it deliberately does not do, and where its limits are. Call it when someone asks what Credit GPS is, who made this, whether their data"},{"name":"find_statement_close_date","description":"How to find the statement closing date for a Canadian credit card — the date every other tool here depends on, and the one most people have never been shown. Gi"},{"name":"when_issuers_report","description":"How the monthly reporting cadence works in Canada, how long a change takes to appear on a file, and why an Equifax file and a TransUnion file for the same perso"},{"name":"missed_payment_guide","description":"What happens when a Canadian credit card payment is missed: the roughly 30-day gap before it is reported at all, the Canadian R1-R9 rating scale a tradeline act"},{"name":"how_long_it_stays","description":"Retention periods on a Canadian credit file: closed accounts, late payments, collections, hard inquiries, bankruptcy, consumer proposals, judgments. Several dif"}],"toolCount":16,"serverName":"creditgps","capabilities":["tools","prompts"],"serverVersion":"0.2.0","protocolVersion":"2025-06-18"}}],"tools":[{"name":"next_move","description":"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"},{"name":"reported_snapshot","description":"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"},{"name":"statement_calendar","description":"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"},{"name":"simulate_paydown","description":"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"},{"name":"purchase_impact","description":"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"},{"name":"credit_plan","description":"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"},{"name":"payoff_timeline","description":"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"},{"name":"close_card_impact","description":"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"},{"name":"canadian_credit_mechanics","description":"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"},{"name":"newcomer_credit_path","description":"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"},{"name":"credit_product_landscape","description":"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"},{"name":"about_credit_gps","description":"What this server is, what it deliberately does not do, and where its limits are. Call it when someone asks what Credit GPS is, who made this, whether their data"},{"name":"find_statement_close_date","description":"How to find the statement closing date for a Canadian credit card — the date every other tool here depends on, and the one most people have never been shown. Gi"},{"name":"when_issuers_report","description":"How the monthly reporting cadence works in Canada, how long a change takes to appear on a file, and why an Equifax file and a TransUnion file for the same perso"},{"name":"missed_payment_guide","description":"What happens when a Canadian credit card payment is missed: the roughly 30-day gap before it is reported at all, the Canadian R1-R9 rating scale a tradeline act"},{"name":"how_long_it_stays","description":"Retention periods on a Canadian credit file: closed accounts, late payments, collections, hard inquiries, bankruptcy, consumer proposals, judgments. Several dif"}],"package":null},"verification":{"claimed":false,"claimedAt":null,"proofs":[]},"provenance":{"sources":[{"source":"mcp_registry","key":"ca.creditgps/canadian-credit","url":"https://registry.modelcontextprotocol.io/v0/servers/ca.creditgps%2Fcanadian-credit","firstSeenAt":"2026-09-05T16:18:48.325Z","fetchedAt":"2026-09-05T16:18:48.325Z","normalizedAt":"2026-09-05T16:18:48.325Z"}]},"firstSeenAt":"2026-09-05T16:18:48.325Z","updatedAt":"2026-09-05T19:28:32.644Z"}