Credit GPS — Canadian credit is a remote MCP server that gives an AI agent 16 tools, among them calculate_payoff_timeline, compare_cards_for_purchase, describe_credit_gps. It answers at https://mcp.creditgps.ca/mcp over streamable HTTP, and it listed its tools to an anonymous client, so no sign-in was needed for that. Our probes reached it 10 of 10 times since 4 September 2026; the last check, on 17 October 2026, succeeded.
Canadian credit: statement-cycle and utilization math, plus bureau and reporting reference data.
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
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 that time. This is a cost question, not Inputs: cards, cardName, monthlyPayment, today |
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 trade-off when those differ, because the c Inputs: cards, amount, targetUtilization |
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 their figures in the Credit GPS applicat |
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 card; it only explains and calculates. Inputs: cards, cardName, today |
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 correction to the common United States-based a Inputs: topic |
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 reported at all, the Canadian R1-R9 rating sca Inputs: daysPastDue |
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, consumer proposals, judgments. Durations |
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 why an Equifax file and a TransUnion fi |
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 every other tool here depends on and the o Inputs: dueDate, issuer |
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, then imminent minimums), then goal ste Inputs: cards, goal, today, targetUtilization |
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 a SIN arrives, whether their home-count Inputs: homeCountry, monthsInCanada |
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 conversation: which card, how much, and by which Inputs: cards, today, targetUtilization |
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 payment to reach the target. It does not dete Inputs: cards, today, targetUtilization |
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 read), and when each payment is due (the Inputs: cards, today, count |
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 in Canada, grouped by how established t Inputs: tier |
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 utilization before and after, per card and blen Inputs: cards, cardName, amount, today |
Every block below points at https://mcp.creditgps.ca/mcp. Pick your client and copy.
claude mcp add --transport http credit-gps-canadian-credit https://mcp.creditgps.ca/mcp
{
"mcpServers": {
"credit-gps-canadian-credit": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://mcp.creditgps.ca/mcp"]
}
}
}{
"mcpServers": {
"credit-gps-canadian-credit": {
"url": "https://mcp.creditgps.ca/mcp"
}
}
}{
"servers": {
"credit-gps-canadian-credit": {
"type": "http",
"url": "https://mcp.creditgps.ca/mcp"
}
}
}{
"context_servers": {
"credit-gps-canadian-credit": {
"url": "https://mcp.creditgps.ca/mcp"
}
}
}{
"mcpServers": {
"credit-gps-canadian-credit": {
"serverUrl": "https://mcp.creditgps.ca/mcp"
}
}
}{
"mcpServers": {
"credit-gps-canadian-credit": {
"url": "https://mcp.creditgps.ca/mcp"
}
}
}name: Credit GPS — Canadian credit
version: 0.0.1
schema: v1
mcpServers:
- name: Credit GPS — Canadian credit
type: streamable-http
url: https://mcp.creditgps.ca/mcp{
"mcpServers": {
"credit-gps-canadian-credit": {
"httpUrl": "https://mcp.creditgps.ca/mcp"
}
}
}{
"mcpServers": {
"credit-gps-canadian-credit": {
"type": "http",
"url": "https://mcp.creditgps.ca/mcp"
}
}
}{
"mcpServers": {
"credit-gps-canadian-credit": {
"url": "https://mcp.creditgps.ca/mcp"
}
}
}goose://extension?url=https%3A%2F%2Fmcp.creditgps.ca%2Fmcp&type=streamable_http&id=credit-gps-canadian-credit&name=Credit%20GPS%20%E2%80%94%20Canadian%20credit
It answered our last check on 17 October 2026 in 297 ms. Over 10 checks since 4 September 2026 it answered 10. Status here comes from Neuronto's own probes, not from the publisher.
Yes. It is published by creditgps.ca and served from mcp.creditgps.ca, the vendor's own domain: https://mcp.creditgps.ca/mcp.
16, as returned by the server's own tools/list on 9 September 2026: calculate_payoff_timeline, compare_cards_for_purchase, describe_credit_gps, estimate_close_card_impact, explain_canadian_credit_mechanics, explain_missed_payment, explain_retention_periods, explain_when_issuers_report, and 8 more.
It answered our last check on 17 October 2026 in 297 ms. Over 10 checks since 4 September 2026 it answered 10.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://mcp.creditgps.ca/mcp. The exact JSON is above, with the same setup for Claude Code, Claude Desktop, VS Code, Windsurf, Zed, Gemini CLI and the rest.
It listed its tools to an anonymous client, so reading the tool list needs no key. Individual tools can still ask for credentials in their own inputs.
Publisher: ca.creditgps. Endpoint host: mcp.creditgps.ca. ARD identifier: urn:air:ca.creditgps:mcp:canadian-credit.
First indexed 31 August 2026. The tools are exactly what the server returned; nothing on this page
is inferred from its name. Ranking in Neuronto search is never for sale.