Credit GPS — Canadian credit

Connect it to your AI

Claude Code

claude mcp add --transport http canadian-credit https://mcp.creditgps.ca/mcp

Claude, ChatGPT, Cursor and other apps

Add it as a custom connector with this URL (Streamable HTTP):

https://mcp.creditgps.ca/mcp

Cursor, VS Code and other apps (mcp.json)

{
  "mcpServers": {
    "canadian-credit": {
      "url": "https://mcp.creditgps.ca/mcp"
    }
  }
}

Tools it offers

16 tools, as the server itself reported during our check on Oct 31, 2026.

• get_next_moveUse 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 conversation: which card, ho
• get_reported_snapshotUse 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 payment to reach the targ
• get_statement_calendarUse 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 read), and when each
• simulate_paydownUse 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 utilization before and afte
• compare_cards_for_purchaseUse 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 trade-off when those d
• get_credit_planUse 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, then imminent mini
• calculate_payoff_timelineUse 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 that time. This is a
• estimate_close_card_impactUse 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 card; it only expla
• explain_canadian_credit_mechanicsUse 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 correction to the common U
• get_newcomer_credit_pathUse 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 a SIN arrives, whet
• list_credit_building_productsUse 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 in Canada, grouped
• describe_credit_gpsUse 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 their figures in the
• find_statement_close_dateUse 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 every other tool here
• explain_when_issuers_reportUse 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 why an Equifax file
• explain_missed_paymentUse 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 reported at all, the Canad
• explain_retention_periodsUse 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, consumer proposals, j

Questions