Credit Score Band

Map a supplied credit score to a risk band using supported scoring systems. Returns the band, estimated percentile and interpretation.

Pay by wallet (x402) credit-score-band

Example

Input
{
  "score": 750,
  "system": "fico"
}
Answer
{
  "band": "Very Good",
  "score": 750,
  "system": "fico",
  "score_range": {
    "max": 850,
    "min": 300
  },
  "system_name": "FICO Score",
  "next_band_name": "Exceptional",
  "points_to_next": 50,
  "next_band_threshold": 800,
  "percentile_estimate": "60-79th",
  "universal_risk_level": "low",
  "typical_characteristics": "Better than average rates"
}

Inputs

FieldTypeRequiredWhat it is
scorenumberYesCredit score value
systemstringNoScoring system: fico, vantagescore, experian, equifax (default: fico)

Output fields

How reliably each field appears in a successful answer.

FieldTypeAppears
bandstringAlways (present in every successful answer)
scorenumberAlways (present in every successful answer)
systemstringAlways (present in every successful answer)
system_namestringAlways (present in every successful answer)
next_band_thresholdintegerAlways (present in every successful answer)
percentile_estimatestringUsually (present for most inputs)
universal_risk_levelstringAlways (present in every successful answer)
typical_characteristics—Usually (present for most inputs)
next_band_name—Usually (present for most inputs)
points_to_next—Always (present in every successful answer)
score_range—Always (present in every successful answer)

How to call it

The same tool through each route. MCP clients reach it through Strale’s server at https://api.strale.io/mcp; the call below is what the agent sends.

# Needs an API key. max_price_cents caps what this call may cost.
curl -X POST https://api.strale.io/v1/do \
  -H "Authorization: Bearer $STRALE_API_KEY" \
  -H 'Content-Type: application/json' \
  -d '{
    "capability_slug": "credit-score-band",
    "inputs": {
      "score": 750,
      "system": "fico"
    },
    "max_price_cents": 2
  }'

Limitations

  • Reference data

    Score band ranges are based on published guidelines — actual lender thresholds may vary

  • US and UK systems only

    The `system` input supports fico and vantagescore for the US, and experian and equifax for the UK. Other national credit systems are not covered.