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 provides instructions; it cannot save entries or retrieve score history. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

describe_credit_gps

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 banks, how to get a first tradeline, and what accumulates after that. Supply the home country for a specific answer on credit import; coverage is partial, and several of the largest source countries for Canadian newcomers are not covered at all. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

get_newcomer_credit_path

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. This is the difference between today's balance and the figure the issuer transmits. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

get_reported_snapshot

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 to. Single-bureau reporting is the detail most often missed: several well-known products report to Equifax only, which leaves the TransUnion file empty. Also flags the warning signs on upfront-fee credit repair and advertised-certainty lending. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

list_credit_building_products

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. Give a payment due date and it also derives an estimate, because federally regulated issuers must allow at least a 21-day interest-free grace period measured from the close. It looks nothing up on any account; the estimate is arithmetic on the date supplied. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

find_statement_close_date

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 market, statement-close versus due-date reporting, provincial rather than federal regulation, soft pulls and free-report rights, how utilization is read, and why open banking does not open up bureau data. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

explain_canadian_credit_mechanics

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 province. Returns those distinctions and source links. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

explain_retention_periods

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 the bureaus see, so use get_reported_snapshot or simulate_paydown for that. Requires the card's purchase APR; without it no timeline is returned, because the rate decides the answer. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

calculate_payoff_timeline

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 long a reported late payment stays on the file. The Canadian answer differs from the American one on both the scale and the duration, and the 30-day gap is frequently actionable, because a payment caught inside it often never reaches the file. Returns bundled reference material, optionally filtered or calculated from inputs; does not fetch live data or change accounts.

explain_missed_payment

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 mechanism behind it, and a date. The plan is returned as text and structured data for the person to act on themselves; nothing is scheduled or executed. Calculates scenarios from supplied figures; does not make payments, change accounts, fetch external data, or retain tool inputs.

get_credit_plan