{"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?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"invalid request"},"description":"Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}},"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":{"p10Cents":"10.0000","medianCents":"10.0000","p90Cents":"10.0000","minCents":"10.0000","maxCents":"10.0000","p95Cents":"10.0000","sampleCount":1,"varies":false,"failureChargeRate":1},"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":"2026-10-29T13:11:55.894Z","isFirstParty":false,"canonicalSlug":"debtpulse-credit-building-strategy-71260e81"}