{"uid":"cap_opy8LxrglDXFqZ0JC5yLR","slug":"debtpulse-credit-building-strategy-71260e81","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.theaslangroupllc.com/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__7U9USUfuJA7C4Nv0cWb-","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 tailored credit-score improvement plan with specific product recommendations (secured cards, credit-builder loans, thin-file tactics) based on the user's country.","exampleAgentPrompt":"I have a thin credit file and a score around 580 in the US — can you give me a step-by-step credit building plan with specific secured card and credit-builder loan recommendations to get my score above 700?","exampleUseCases":[{"title":"New immigrant building credit file","prompt":"I just moved to Canada and have no credit history here. What's the fastest way to build my credit from scratch? Can you recommend specific products and timeline?"},{"title":"Recovery plan after financial hardship","prompt":"My credit score dropped to 550 after job loss. I'm stable now and want a personalized roadmap to rebuild—what secured cards and loans should I use in Australia?"},{"title":"Quick credit boost for mortgage readiness","prompt":"I need to raise my score 40 points in the next 6 months to qualify for a mortgage. Give me a concrete action plan with specific products I should apply for in the UK."}],"resultDescription":"A structured credit-building strategy including recommended secured credit cards, credit-builder loan options, and thin-file tactics (e.g. becoming an authorized user, experian boost), all tailored to the user's country, along with an estimated timeline for score improvement.","failureModes":["Unsupported country returns no tailored recommendations","Missing or invalid country parameter causes a 400 error","Overly generic profile input may yield generic rather than personalized advice","Rate limiting or payment failure (402) if USDC balance is insufficient"],"whenToPreferThis":"Use this endpoint when a user needs a concrete, actionable credit-building roadmap with specific product recommendations (cards, loans) rather than generic advice. Especially useful for thin-file users, newcomers, or those recovering from bad credit who need country-specific guidance.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:51:07.575Z","isFirstParty":false}