MCP server

Credit GPS — Canadian credit Official

ca.creditgps/canadian-credit

Checked 28 Oct 2026, 09:03 UTC · Connected to it and listed its tools

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

Website Source

At a glance

Type

MCP server

Publisher

creditgps.ca (verified by the MCP Registry)

Status

Working at last check

Tools

16

Token cost

About 9,514 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

28 Oct 2026, 09:03 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

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

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.canadian-credit]
url = "https://mcp.creditgps.ca/mcp"

Gemini CLI

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

Cursor

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

VS Code

{"servers":{"canadian-credit":{"type":"http","url":"https://mcp.creditgps.ca/mcp"}}}

Antigravity

agy mcp add canadian-credit https://mcp.creditgps.ca/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"canadian-credit","server_url":"https://mcp.creditgps.ca/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"canadian-credit","server_url":"https://mcp.creditgps.ca/mcp"}

Tools

• calculate_payoff_timeline Moves money · ~992 tokens
  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 a reporting one: it does not change what the bureaus see, so
• compare_cards_for_purchase Moves money · ~875 tokens
  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 card the bureaus notice least is often not the card with the
• describe_credit_gps ~178 tokens
  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 application for score tracking. This tool provides instructions; it
• estimate_close_card_impact Moves money · ~966 tokens
  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. With no card figures it returns general closure consideratio
• explain_canadian_credit_mechanics ~282 tokens
  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 answer: the 300-900 scale and two-bureau market, statement-cl
• explain_missed_payment ~283 tokens
  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 scale a tradeline actually carries, and how long a reported lat
• explain_retention_periods ~177 tokens
  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 differ by information type, bureau, and province. Returns th
• explain_when_issuers_report ~191 tokens
  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 file for the same person differ. This bundled reference has no
• find_statement_close_date ~339 tokens
  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 one most people have never been shown. Give a payment due dat
• get_credit_plan Moves money · ~975 tokens
  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 steps, each with the specific action, the mechanism behind it,
• get_newcomer_credit_path ~324 tokens
  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-country history can be imported and at which banks, how to get a
• get_next_move Moves money · ~920 tokens
  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 date. The calculation uses the supplied statement closing d
• get_reported_snapshot Moves money · ~920 tokens
  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 determine future bureau-reported balances. This is the differenc
• get_statement_calendar Moves money · ~874 tokens
  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 delinquency line). Calculates scenarios from supplied figur
• list_credit_building_products ~276 tokens
  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 they are, with which bureau each reports to. Single-bureau re
• simulate_paydown Moves money · ~942 tokens
  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 blended. No score change is predicted. It is a calculation only;

Browse

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