ca.creditgps/canadian-credit

Tools

• about_credit_gps

  What this server is, what it deliberately does not do, and where its limits are. Call it when someone asks what Credit GPS is, who made this, whether their data is stored, or why an answer stopped short.

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• canadian_credit_mechanics

  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. Call this before answering any question about Canadian credit scores, credit reports, bureaus, or reporting timing. Answering from general knowledge produces United States answers that are wrong in Canada.

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• close_card_impact

  Answers "should I cancel the credit card I never use", "is it bad to close a card", and any question about cancelling, downgrading, or consolidating cards. CALL THIS WITH NO ARGUMENTS when the person has not given card numbers — it returns the Canadian mechanics and the retention rules, which are the parts a general answer gets wrong. Do not answer a card-closing question from general knowledge while collecting figures; call this first, then ask for what is missing. Supply cards and cardName as well and it additionally computes the exact utilization before and after, the limit leaving the denominator, and whether it crosses a band upward.

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• credit_plan

  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. Use it when someone wants more than the next single action.

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• credit_product_landscape

  Secured cards, credit-builder loans, and rebuild 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. Use this instead of recalling product names, which for Canada are frequently confused with United States products.

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• find_statement_close_date

  How to find the statement closing date for 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. Call this whenever someone does not know their closing date, or gives a due date and asks what to pay. It is more useful than guessing the date and running the numbers anyway.

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• how_long_it_stays

  Retention periods on a Canadian credit file: closed accounts, late payments, collections, hard inquiries, bankruptcy, consumer proposals, judgments. Several differ from the American figures that dominate general knowledge — six years rather than seven for a late payment, three years rather than two for a hard inquiry — so each entry names the American answer where it differs. Call this for any "how long will this stay on my credit report" question.

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• missed_payment_guide

  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. Call this for a missed, late, or nearly-late payment, or for "how long will this hurt me". The Canadian answer differs from the American one on both the scale and the duration, and the 30-day gap is frequently actionable — a payment caught inside it often never reaches the file.

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• newcomer_credit_path

  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 to get a specific answer on credit import — coverage is partial, and several of the largest source countries for Canadian newcomers are not covered at all. Use this for any question about building credit as an immigrant, newcomer, international student, or temporary resident in Canada.

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• next_move

  The single highest-priority credit action right now: which card, how much, and by which date. Dated to the statement CLOSING date rather than the payment due date, because the closing balance is what Canadian issuers report to the bureaus. Use this when someone asks what to pay, what to do first, or how to lower utilization before it is reported. Deterministic arithmetic — same inputs, same answer.

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• payoff_timeline

  How long a card takes to clear at a fixed monthly payment, and what the interest costs over that time. Answers "if I pay $200 a month, when is this paid off?" and "what happens if I only pay the minimum?". This is a cost question, not a reporting one — it does not change what the bureaus see. Use 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.

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• purchase_impact

  Before a large purchase: which card reports the least damage, which is cheapest to carry, and the trade-off when those are different cards. Returns both answers rather than one, because the card the bureaus notice least is often not the card with the lowest rate. Use it when someone asks which card to put something on.

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• reported_snapshot

  Per card: the balance in line to be reported at the next statement close, utilization, days left to change it, and the payment that would bring the card to target before it closes. This is the view that does not exist in a chat window — it is the difference between today's balance and the figure the issuer transmits. Use it when someone asks how their cards look, where they stand, or which card is the problem.

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• simulate_paydown

  What-if for a specific payment: pay this amount on this card before it closes, and here is the reported utilization before and after, per card and blended, plus a bounded modelled range. Use it when someone asks what happens if they pay a particular amount, or wants to compare two amounts.

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• statement_calendar

  The upcoming dates that matter, in order: when to pay, when each statement closes (the bureau read), and when each payment is due (the delinquency line). Use it when someone asks about timing, what is coming up, or why the closing date differs from the due date.

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• when_issuers_report

  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. Also states plainly what is not knowable: no Canadian issuer publishes the exact day it transmits, so no specific day is given here. Call this for "when will this show up on my credit report" or "what day does my bank report".

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