Credit GPS — Canadian credit
warningsmcp.creditgps.ca
Canadian credit: statement-cycle and utilization math, plus bureau and reporting reference data.
https://mcp.creditgps.ca/mcpWebsiteNo authMCP 2025-11-25v0.3.1last checked 8 Oct 2026spoke MCP on 100% of 90 checks (30 days)initialize in 291 msWill my client connect?
Decided from what the probe found at the endpoint, and from what each client's own documentation says it can complete. Every row carries the day that documentation was read.
✓Claude CodeConnects
The endpoint answers an anonymous handshake, so no credential is needed.
claude mcp add --transport http credit-gps-canadian-credit https://mcp.creditgps.ca/mcpClaude Code docs · read on 2026-08-30
✓Claude (claude.ai & Desktop)Connects
The endpoint answers an anonymous handshake, so no credential is needed.
Settings → Connectors → Add custom connector, then paste https://mcp.creditgps.ca/mcp.
Claude (claude.ai & Desktop) docs · read on 2026-08-30
✓ChatGPTConnects
The endpoint answers an anonymous handshake, so no credential is needed.
Settings → Apps → Advanced settings → Developer mode, then create a connector pointing at https://mcp.creditgps.ca/mcp.
ChatGPT docs · read on 2026-08-30
✓CursorConnects
The endpoint answers an anonymous handshake, so no credential is needed.
{
"mcpServers": {
"credit-gps-canadian-credit": {
"url": "https://mcp.creditgps.ca/mcp"
}
}
}Cursor docs · read on 2026-08-30
✓VS Code (Copilot)Connects
The endpoint answers an anonymous handshake, so no credential is needed.
{
"servers": {
"credit-gps-canadian-credit": {
"type": "http",
"url": "https://mcp.creditgps.ca/mcp"
}
}
}VS Code (Copilot) docs · read on 2026-08-30
How to authenticate
Checked against the endpoint by our probe on 8 Oct 2026. These are the capabilities the server advertises, not a prediction about any particular client.
| Scheme | No auth |
|---|---|
| Protected-resource metadata | ✕Not found Without it a client has to guess where the authorization server lives. |
| Anonymous access | Handshake succeeds; 16 tools listable |
| Credentials demanded in prose | ✕calculate_payoff_timeline These tools are listed anonymously and their own descriptions ask for an account or key, but no challenge is issued — so a client has nothing to act on and the refusal arrives as a tool error. |
What the probe found
1 of the 16 tools listed anonymously say in their own descriptions that they need an account or a key (calculate_payoff_timeline), but the endpoint issued no WWW-Authenticate challenge. The requirement is stated only in prose, so a call reaches the tool and comes back as a tool error instead of an authorization step.
Tools
Contract history
Breaking: about_credit_gps, canadian_credit_mechanics, close_card_impact, credit_plan, credit_product_landscape, how_long_it_stays, missed_payment_guide, newcomer_credit_path, next_move, payoff_timeline, purchase_impact, reported_snapshot, simulate_paydown, statement_calendar, when_issuers_report
Instructions rewritten: find_statement_close_date, simulate_paydown. The description an agent follows changed; the callable contract may not have.
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Status badge
Status for a README, from the last probe — cached an hour, so up to seven hours behind the endpoint. Links back to this page.
[](https://mcpi.app/servers/credit-gps-canadian-credit)