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

Field	Type	Required	What it is
`score`	number	Yes	Credit score value
`system`	string	No	Scoring system: fico, vantagescore, experian, equifax (default: fico)

Output fields

How reliably each field appears in a successful answer.

Field	Type	Appears
`band`	string	Always (present in every successful answer)
`score`	number	Always (present in every successful answer)
`system`	string	Always (present in every successful answer)
`system_name`	string	Always (present in every successful answer)
`next_band_threshold`	integer	Always (present in every successful answer)
`percentile_estimate`	string	Usually (present for most inputs)
`universal_risk_level`	string	Always (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
  }'

{
  "tool": "strale_execute",
  "arguments": {
    "slug": "credit-score-band",
    "inputs": {
      "score": 750,
      "system": "fico"
    },
    "max_price_cents": 2
  }
}

import { Strale } from "straleio";

const strale = new Strale({ apiKey: process.env.STRALE_API_KEY! });
const result = await strale.do({
  capability_slug: "credit-score-band",
  inputs: {
    "score": 750,
    "system": "fico"
  },
  max_price_cents: 2,
});

import os
from straleio import Strale, DoRequest

strale = Strale(api_key=os.environ["STRALE_API_KEY"])
result = strale.do(DoRequest(
    capability_slug="credit-score-band",
    inputs={
        "score": 750,
        "system": "fico",
    },
    max_price_cents=2,
))

# No account. The first request answers 402 with the price in USDC;
# an x402 client pays it from your wallet and repeats the request.
curl -i 'https://api.strale.io/x402/v2/credit-score-band?score=750&system=fico'

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.