{"uid":"cap_wUoO7YRsfES-NYDJcOYyh","slug":"api-strale-io-5e96c881","name":"Credit Score Band Converter","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/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":{"request":{"score":715,"system":"fico"},"response":{"band":"Good","_meta":{"payment":{"method":"x402","price_usd":0.0216,"settlement_id":"0x7660ced025d6504c02ad56fff1846fe1cf2eba5790d94e4f84d551354a630911"},"capability":"credit-score-band","latency_ms":0,"provenance":{"source":"strale-credit-reference","fetched_at":"2026-06-16T01:24:09.368Z"}},"score":715,"system":"fico","score_range":{"max":850,"min":300},"system_name":"FICO Score","next_band_name":"Very Good","points_to_next":25,"next_band_threshold":740,"percentile_estimate":"40-59th","universal_risk_level":"moderate","typical_characteristics":"Acceptable to most lenders"}},"exampleRequest":{"score":715,"system":"fico"},"tags":["x402"],"displayCostAmount":"0.0216","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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_umT5LZT9AwEnTNqECdYbO","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 universal risk band and percentile estimate, supporting FICO, VantageScore, Experian, and Equifax scoring systems.","exampleAgentPrompt":"What risk band and percentile does a FICO score of 715 fall into?","exampleUseCases":null,"resultDescription":"Returns the universal risk band (e.g. Good, Fair, Excellent), percentile estimate, and contextual interpretation for the given numeric credit score within the specified scoring system.","failureModes":["Missing required 'score' query parameter returns 400 error","Score value outside valid range for the specified system returns an error or edge-case band","Unrecognized scoring system string falls back to default FICO interpretation or returns error","Network timeout or service unavailability returns 5xx error"],"whenToPreferThis":"Use this endpoint when you need to interpret or compare a raw numeric credit score across different bureau systems (FICO, VantageScore, Experian, Equifax) and want a standardized risk band and percentile ranking. Prefer this over manual lookup tables when building fintech apps, loan pre-qualification flows, or financial dashboards that need to normalize scores from multiple sources.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T06:43:46.425Z","isFirstParty":false}