Credit GPS
Canadian credit card payment timing and utilization calculator for better credit scores
Calculates optimal payment timing, utilization impact, and payoff scenarios for Canadian credit cards. Explains Canadian credit mechanics, reporting dates, and credit-building paths for newcomers. All calculations are local; no accounts are accessed or changed.
Try asking Muse: "Which card should I pay down first to lower my credit utilization before it's reported to the bureau?"
Source: Found in the official MCP Registry (ca.creditgps/canadian-credit) · First listed September 24, 2026
Last 24 hours
Each bar is one check, every 15 minutes. Green means it answered. Last checked 38 min ago.
Is it safe to connect?
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://mcp.creditgps.ca/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 1528ms. Worked in 100% of checks over 30 days.
Screening · September 24, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 16
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, how much, and by which date. The calculation uses the suppliedget_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 target. It does not determine future bureau-reported balances. Tget_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 payment is due (the delinquency line). Calculates scenariossimulate_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 after, per card and blended. No score change is predicted. It iscompare_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 differ, because the card the bureaus notice least is often noget_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 minimums), then goal steps, each with the specific action, the mcalculate_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 cost question, not a reporting one: it does not change whatestimate_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 explains and calculates. With no card figures it returns general 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 United States-based answer: the 300-900 scale and two-bureau 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, whether their home-country history can be imported and at which 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 by how established they are, with which bureau each reports 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 Credit GPS application for score tracking. This tool providfind_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 depends on and the one most people have never been shown. Giexplain_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 and a TransUnion file for the same person differ. This bundexplain_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 Canadian R1-R9 rating scale a tradeline actually carries, and howexplain_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, judgments. Durations differ by information type, bureau, and Recent checks
Link
https://mcp.creditgps.ca/mcpQuestions about Credit GPS in Muse
How do I connect Credit GPS to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Credit GPS to help me. It is a free service with an MCP server at https://mcp.creditgps.ca/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is Credit GPS working right now?
At the last check (September 28, 2026, 08:31 UTC) the endpoint was working, answering in 1528ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
Is Credit GPS safe to connect to Muse?
It was screened on September 24, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can Credit GPS do in Muse?
It exposes 16 tools, including get_next_move, get_reported_snapshot, get_statement_calendar, simulate_paydown. For example, you could ask Muse: "Which card should I pay down first to lower my credit utilization before it's reported to the bureau?"
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