{"uid":"cap_X-TOhh3h-y9OW2IFZIwfk","slug":"debtpulse-credit-repair-roadmap-356fb840","name":"DebtPulse Credit Repair Roadmap","description":"Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.","url":"https://debtpulse.vercel.app/api/debt/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_FM6f0hisXmZx8QxqFNZ8m","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 a dispute strategy, negative-item analysis, and credit repair timeline tailored by country for credit and debt-relief agents.","exampleAgentPrompt":"I have several negative items on my credit report — two collections and a late payment from 2022 — can you build me a dispute strategy and credit repair roadmap with a realistic timeline for someone in the US?","exampleUseCases":[{"title":"Collections account dispute and removal strategy","prompt":"I've got three collections accounts on my credit report from medical bills and an old credit card. What's my best strategy to dispute these, and how long realistically should I expect it to take to get them removed from my credit in Australia?"},{"title":"Post-bankruptcy credit rebuild roadmap","prompt":"I went through bankruptcy two years ago and I'm ready to rebuild. Can you analyze my credit report, tell me what negative items I can still dispute, and give me a step-by-step recovery plan with timelines for Canada?"},{"title":"Charge-off and late payment priority action plan","prompt":"I have a charge-off from 2020 and several late payments still showing on my report. I want to know which ones are worth disputing first, what my realistic chances are, and what the fastest path to improvement looks like here in the UK."}],"resultDescription":"A structured credit repair roadmap including a dispute strategy for negative items, analysis of which negative items are disputable and their impact, and a country-specific repair timeline with prioritized action steps.","failureModes":["Missing or unsupported country code returns an error or generic response","Insufficient credit profile data may produce a vague or incomplete roadmap","API unavailability or payment failure (x402) returns a 402 or 5xx error","Ambiguous negative item descriptions may yield generic dispute advice"],"whenToPreferThis":"Use this endpoint when an agent needs a structured, actionable credit repair plan including dispute strategies and timelines, especially with country-specific guidance. Prefer this over generic financial advice endpoints when the user's goal is specifically improving their credit score by disputing or addressing negative items.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:53:21.789Z","isFirstParty":false}