{"uid":"cap_EoX_xOngjLUNqqnqj2Te7","slug":"debtpulse-credit-building-strategy-e6d2352b","name":"DebtPulse Credit Building Strategy","description":"Credit building strategy and credit-score improvement plan. Recommends specific secured cards, credit-builder loans, and thin-file tactics to raise your score, tailored by country. For credit and personal-finance agents.","url":"https://debtpulse.vercel.app/api/debt/build-credit","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"action":{"type":"string","description":"minimum-payment | interest-cost | balance-transfer | dispute | hardship | payoff-strategy"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"action":"minimum-payment","balance":8500,"rate_apr":24.99,"minimum_payment":170,"payoff_years_minimum":8.4,"total_interest_minimum":8940,"interest_saved_extra_100":5200}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_Cq4jN_BJ84hDBOQtxv_KE","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns country-specific credit-building strategies including secured card recommendations, credit-builder loan options, and product-level guidance to help users establish or repair credit.","exampleAgentPrompt":"I have no credit history and I'm based in the US — can you give me a credit building strategy with specific secured card and credit-builder loan recommendations so I know exactly where to start?","exampleUseCases":[{"title":"Rebuild credit after past defaults","prompt":"I had some missed payments a few years ago and my credit score took a hit. I'm in Canada now and want to rebuild — what specific products and strategy should I follow to get back on track?"},{"title":"Establish credit as new immigrant","prompt":"I just moved to Australia and have no credit history here. Walk me through which secured cards and credit-builder loans I should apply for first, and in what order."},{"title":"Create credit from zero for young adult","prompt":"I'm 18 and turning adult but never had a credit card or loan. I'm in the UK and want to build credit responsibly from the start — what are the best beginner products and plan I should follow?"}],"resultDescription":"A structured response listing secured credit cards, credit-builder loan products, and a prioritized credit-building strategy tailored to the user's country, including specific product names and actionable recommendations for establishing or improving credit.","failureModes":["Unsupported country returns empty or generic results","Missing required country parameter causes a validation error","Payment not processed (x402) results in 402 Payment Required before data is returned","Ambiguous or incomplete credit profile may produce overly generic recommendations"],"whenToPreferThis":"Choose this endpoint when a user needs actionable, product-level credit-building guidance — specifically secured card names, credit-builder loan options, and a step-by-step strategy by country. Prefer this over generic financial advice endpoints when the user explicitly wants to establish, repair, or improve credit and needs concrete product recommendations.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:40:32.307Z","isFirstParty":false}