{"uid":"cap_TUuOlA6hUC7zUjxnlcJn7","slug":"credit-score-band-interpreter-ceaade2b","name":"Credit Score Band Interpreter","description":"Convert and interpret credit scores between different scoring systems. Maps FICO, VantageScore, Experian, Equifax scores to universal risk bands with percentile estimates.","url":"https://api.strale.io/x402/v2/credit-score-band","method":"GET","headers":{},"bodySchema":{"type":"object","required":["score"],"properties":{"score":{"type":"number","description":"Credit score value"},"system":{"type":"string","description":"Scoring system: fico, vantagescore, experian, equifax (default: fico)"}}},"responseSchema":{"band":{"type":"string"},"score":{"type":"number"},"system":{"type":"string"},"system_name":{"type":"string"},"next_band_threshold":{"type":"integer"},"percentile_estimate":{"type":"string"},"universal_risk_level":{"type":"string"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.0216","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":"$0.0216/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.0216","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.0216","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_vJPWHvjujsMxozA2kwdK3","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.0216","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Converts a numeric credit score into a risk band, percentile estimate, and universal risk level, supporting FICO, VantageScore, Experian, and Equifax scoring systems.","exampleAgentPrompt":"What risk band and percentile does a FICO score of 720 fall into, and how far away is the next band up?","exampleUseCases":[{"title":"Loan eligibility pre-screening","prompt":"A loan applicant has a FICO score of 680 — what risk band does that put them in and roughly what percentile is that?"},{"title":"VantageScore risk classification","prompt":"I have a VantageScore of 635 — can you tell me what universal risk level that maps to and how far I'd need to go to reach the next band?"},{"title":"Cross-system credit score comparison","prompt":"My Equifax score is 745 — what band and risk level does that correspond to, and what percentile does it represent?"}],"resultDescription":"Returns the credit score band label (e.g. 'Good'), the original score value, the scoring system identifier and full name, the score threshold needed to reach the next band up, a percentile estimate string, and a universal risk level (e.g. 'low', 'medium', 'high') that normalizes across scoring systems.","failureModes":["Missing required 'score' parameter returns a validation error","Score value out of realistic range for the specified system may produce undefined results","Invalid scoring system string returns an error or defaults to FICO","Non-numeric score value causes a schema validation failure"],"whenToPreferThis":"Use this endpoint when you need to interpret or contextualize a raw credit score number — especially when translating between scoring systems or communicating risk in plain language. Ideal for lending pipelines, financial advisory agents, or any workflow where a numeric credit score needs human-readable risk classification and percentile context.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T01:04:35.624Z","isFirstParty":false}