# Credit GPS Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## Credit GPS

Canadian credit card payment timing and utilization calculator for better credit scores

- Record: https://musedirectory.ai/connector/credit-gps
- Category: Finance & Bills
- Developer: Credit GPS (https://creditgps.ca)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 1528ms, checked 2026-09-28T08:31:15Z
- Endpoint: https://mcp.creditgps.ca/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-09-24T09:06:15Z)
- Source: Found in the official MCP Registry (ca.creditgps/canadian-credit) https://registry.modelcontextprotocol.io/v0/servers?search=ca.creditgps%2Fcanadian-credit

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.

Example request: "Which card should I pay down first to lower my credit utilization before it's reported to the bureau?"

How to connect: 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.

Tools:
- 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 date. The calculation uses the supplied
- 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 determine future bureau-reported balances. T
- 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 delinquency line). Calculates scenarios
- 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 blended. No score change is predicted. It is
- 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 card the bureaus notice least is often no
- 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 steps, each with the specific action, the m
- 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 a reporting one: it does not change what
- 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. With no card figures it returns general 
- 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 answer: the 300-900 scale and two-bureau 
- 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-country history can be imported and at which 
- 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 they are, with which bureau each reports 
- 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 application for score tracking. This tool provid
- 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 one most people have never been shown. Gi
- 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 file for the same person differ. This bund
- 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 scale a tradeline actually carries, and how
- 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 differ by information type, bureau, and 

Screening checks:
- MCP handshake: pass (Answered in 308ms)
- Domain against threat feeds (Cloudflare security DNS): pass (mcp.creditgps.ca, creditgps.ca not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (16 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)