The Credit GPS — Canadian credit MCP server,
connected in one click.

“Use “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 tha.”

“Use “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 br.”

“Use “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 delin.”

“Use “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 ca.”

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 tha

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 br

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 delin

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 ca

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.

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 imm

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

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 conso