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OpenAPIFactors & ranges2 tools Calculator1 tools Reference1 tools
Creditedu
Credit-score factors, a real utilization calculator, and FICO/VantageScore ranges — education only
Unify Dynamics LLC
Tools4read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent
Try asking
Real questions, and the tools your agent calls to answer them.
What are the 5 factors that make up a credit score, and how much does each count?
Tools called
credit_score_factorsWhat's my utilization if I owe $2,000 on a $10,000-limit card and $500 on a $1,000-limit card?
Tools called
credit_utilization_calculatorWhat are the FICO and VantageScore ranges — what counts as Good vs. Excellent?
Tools called
credit_score_range_referenceDoes checking my own credit score hurt it? Does carrying a balance help build credit?
Tools called
credit_myths_vs_factsAbout
Creditedu puts standard credit-education reference material and a real utilization calculator behind one connector. Credit score factors: the 5 major FICO scoring categories — payment history (~35%), amounts owed/utilization (~30%), length of credit history (~15%), credit mix (~10%), new credit (~10%) — each explained with concrete tips. Credit utilization calculator: given a list of accounts (balance, limit), computes the real per-account and overall utilization ratio and flags common thresholds (under 10%, under 30%, over 50%, over 90%, over the limit) — arithmetic over the numbers you provide, one input to a real score, never a substitute for one. Credit score range reference: the standard published tiers for FICO and VantageScore (both 300-850). Myths vs. facts: corrects common misconceptions about checking your own score, carrying a balance, closing old cards, debit cards, and joint scores. This connector never accepts a full credit history and never produces a number labeled as a score — for an actual credit score, use a source your card issuer, bank, or lender provides.
Sources: Standard, published scoring-model reference information (FICO factor weights and score ranges; VantageScore ranges), bundled as static reference data; the utilization calculator is arithmetic computed locally from the numbers the caller supplies — nothing fetched, nothing stored
Privacy
The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.
Data not collectedNo account, no profile, no stored prompts or results.
What it can do
4 tools, grouped by job. Every one is read-only or compute-only.
- Credit score factorsExplains the 5 major FICO credit-score factor categories and their approximate weights (payment history ~35%, amounts owed/utilization ~30%,…
- Credit score range referenceThe standard, published score-range tiers for FICO (300-850: Poor/Fair/Good/Very Good/Exceptional) and VantageScore (300-850: Very…
- Credit utilization calculatorComputes credit-utilization ratio (balance / limit) per account and overall from the balances and limits you provide, and flags common thresholds…
- Credit myths vs factsCorrects common credit-score misconceptions (checking your own score, carrying a balance to build credit, closing old cards, debit cards and…
Information
PublisherUnify Dynamics LLC
CategoryEveryday life · Money & business
LanguagesEnglish
Built forGlobal
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpoint
https://creditedu.connectorbay.com/mcpREST APIopenapi.json
CountryWorldwide
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Documentation
Back to topWhat Creditedu is for
"What are the 5 factors that make up a credit score", "what's my utilization if I owe $2,000 on a $10,000-limit card and $500 on a $1,000-limit card", "what are the FICO score ranges", "does checking my own score hurt it" — the credit-education questions people ask before or instead of paying for a credit-monitoring product. Creditedu answers them with standard, published reference information and real utilization arithmetic — no upstream calls, no accounts, nothing stored.
What it does
Credit score factors. The 5 major FICO scoring factor categories and their approximate weights — payment history (~35%), amounts owed / credit utilization (~30%), length of credit history (~15%), credit mix (~10%), and new credit (~10%) — each with a plain-language explanation and concrete tips.
Credit utilization calculator. Given a list of accounts (balance, limit), computes the real utilization ratio per account and overall, flags common thresholds (under 10%, under 30%, over 50%, over 90%, over the limit), and identifies the single highest-utilization account. This is arithmetic over the numbers you provide — one input to a real credit score, never a stand-in for one.
Credit score range reference. The standard, published score-range tiers for FICO (300-850: Poor, Fair, Good, Very Good, Exceptional) and VantageScore (300-850: Very Poor, Poor, Fair, Good, Excellent).
Myths vs. facts. Corrects common misconceptions: checking your own score, carrying a balance to "build" credit, closing old cards, debit cards and credit-building, joint scores for married couples, and more.
What it is not
Not a credit report, not a credit score, and not personalized financial advice. Creditedu has no access to your credit report and cannot compute, estimate, or predict your actual credit score under any scoring model — no tool here accepts a full credit history or produces a number labeled as a score. For your real score and report, use a source your card issuer, bank, or lender provides, or annualcreditreport.com for your free reports.
Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.
Privacy policy
Back to topCreditedu — Privacy Policy
Effective 28 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.
What Creditedu is. Creditedu is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for general credit education: scoring-factor explanations, a utilization calculator, score- range references, and a myths-vs-facts glossary. You interact with your assistant; the assistant sends us only the numbers needed for that one calculation, if any.
What we receive. The arguments of each tool call — for the utilization calculator, account balances and credit limits and any labels you choose for them (e.g. "Card A"); for the reference tools, only a lookup term or nothing at all — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.
Everything is computed on our server and nothing is stored. The utilization calculator performs plain arithmetic over the balances and limits you provide in that single request; the reference tools return bundled, static content. Creditedu never receives, requests, or has access to your actual credit report, credit score, or any credit-bureau data — it cannot look any of that up even if asked. No request is forwarded to any third party, and no query — including any balance or limit you enter — is logged in request bodies, recorded, or used to train anything.
What we do not receive or store. We do not receive your conversation with the assistant, your name, account numbers, Social Security number, or any other identifying information, and we do not build a credit profile from your queries: each calculation is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.
Sub-processors. None — every tool is computed or served locally. Hosting: Vercel (United States regions).
Legal bases and your rights. For users in California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.
Children. Creditedu is a general-audience service for adults; we knowingly collect no personal data from anyone.
Changes. We will post changes here with a new effective date.
Terms of service
Back to topCreditedu — Terms of Service
Effective 28 September 2026. These terms govern use of the Creditedu connector ("the Service") operated by Unify Dynamics LLC ("we", "us").
- The Service. Creditedu returns general credit education — scoring-factor explanations, a credit- utilization calculator, standard score-range reference tables, and a myths-vs-facts glossary — computed or served from bundled reference information and the numbers you provide in each request. It is accessed through an AI assistant or directly over MCP or HTTP.
- Not a credit report, credit score, or financial advice. Creditedu is general educational information, not personalized financial advice, and not a consumer report under the Fair Credit Reporting Act. Creditedu cannot compute, estimate, or predict your actual credit score under any scoring model — no tool in this Service produces a number labeled as a score, and none is intended to be relied on as one.
- Reference data is general, not real-time. Score-range tiers and scoring-factor weights reflect standard, published figures from FICO and VantageScore as commonly cited; the scoring models themselves can and do change their methodology over time, and this Service is not a substitute for those models' own published, current documentation.
- The utilization calculator is arithmetic, not a score.
credit_utilization_calculatorcomputes a ratio from balances and limits you supply. It is one input among several to a real credit score, not a stand-in for one, and does not access or reflect any actual account, balance, or limit unless you type it in yourself. - No access to your credit report. Creditedu has no connection to any credit bureau, lender, or credit- monitoring service, and cannot look up, verify, or retrieve your actual credit information.
- Acceptable use. Automated use within the published rate limits is welcome.
- Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
- Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
- Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
- Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any financial loss or decision made in reliance on the Service. Our total liability is limited to US $100.
- Governing law. California law; venue in San Mateo County, California.
- Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/creditedu
Support
Back to topCreditedu support
Email agent@connectorbay.com. We answer within two business days.
- MCP endpoint:
https://creditedu.connectorbay.com/mcp - REST API:
https://creditedu.connectorbay.com/openapi.json - Live status: https://creditedu.connectorbay.com/health
When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Creditedu never asks for them.