{"openapi":"3.1.0","info":{"title":"Creditedu API","version":"0.1.0","description":"A fully local credit-score factors educational reference: the 5 major FICO scoring factor categories and weights, a credit-utilization calculator, a FICO/VantageScore score-range reference table, and a myths-vs-facts glossary — general education only, never a computed or predicted credit score.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://creditedu.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/creditedu/docs"},"termsOfService":"https://connectorbay.com/creditedu/terms"},"servers":[{"url":"https://creditedu.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/creditedu/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/credit_score_factors":{"post":{"operationId":"credit_score_factors","summary":"Explains the 5 major FICO credit-score factor categories and their approximate weights (payment history","description":"Explains the 5 major FICO credit-score factor categories and their approximate weights (payment history\n    ~35%, amounts owed/utilization ~30%, length of history ~15%, credit mix ~10%, new credit ~10%), with what each\n    means and actionable tips. General education — never a prediction of anyone's actual score. Use for \"what are\n    the 5 factors that make up a credit score\", \"how much does payment history matter\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"factor":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific factor to look up (e.g. 'payment history', 'utilization'); omit for all 5.","title":"Factor"}},"title":"credit_score_factorsArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/credit_utilization_calculator":{"post":{"operationId":"credit_utilization_calculator","summary":"Computes credit-utilization ratio (balance / limit) per account and overall from the balances and limits","description":"Computes credit-utilization ratio (balance / limit) per account and overall from the balances and limits\n    you provide, and flags common thresholds (under 10%, under 30%, over 50%, over 90%, over the limit). This is a\n    ratio, one input to a real credit score — never a computed or estimated score itself. Use for \"what's my\n    utilization if I owe $2,000 on a $10,000 limit card and $500 on a $1,000 limit card\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"accounts":{"description":"Each item: {name?: str, balance: number, limit: number}.","items":{"additionalProperties":true,"type":"object"},"title":"Accounts","type":"array"}},"required":["accounts"],"title":"credit_utilization_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/credit_score_range_reference":{"post":{"operationId":"credit_score_range_reference","summary":"The standard, published score-range tiers for FICO (300-850: Poor/Fair/Good/Very Good/Exceptional) and","description":"The standard, published score-range tiers for FICO (300-850: Poor/Fair/Good/Very Good/Exceptional) and\n    VantageScore (300-850: Very Poor/Poor/Fair/Good/Excellent) — reference only, never a prediction of anyone's\n    actual score. Use for \"what are the FICO score ranges\", \"what's considered a good VantageScore\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"model":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"FICO or VantageScore; omit for both.","title":"Model"}},"title":"credit_score_range_referenceArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/credit_myths_vs_facts":{"post":{"operationId":"credit_myths_vs_facts","summary":"Corrects common credit-score misconceptions (checking your own score, carrying a balance to build credit,","description":"Corrects common credit-score misconceptions (checking your own score, carrying a balance to build credit,\n    closing old cards, debit cards and credit, joint scores, and more) with the actual fact for each. Use for\n    \"does checking my own score hurt it\", \"does carrying a balance help build credit\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"topic":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific myth or topic to look up; omit to list all.","title":"Topic"}},"title":"credit_myths_vs_factsArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}