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Credit Score Band Converter
x402
Credit Score Band Converter is a paid API for AI agents from api.strale.io, paid per call via x402, $0.0216/call, status unknown (last checked 2026-09-14).
Converts a numeric credit score into a universal risk band and percentile estimate, supporting FICO, VantageScore, Experian, and Equifax scoring systems.
Price / call$0.0216
Success—
StatusUnknown
How this service works
Convert and interpret credit scores between different scoring systems. Maps FICO, VantageScore, Experian, Equifax scores to universal risk bands with percentile estimates.
Output
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.
Example use cases
Example prompt
“What risk band and percentile does a FICO score of 715 fall into?”
Technical details
Endpoint
GEThttps://api.strale.io/x402/credit-score-bandWhen to prefer
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.
Side effects
- 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
Input
{
"score": 715,
"system": "fico"
}Schema · Request body
| Field | Type | Description |
|---|---|---|
| scorerequired | number | Credit score value |
| system | string | Scoring system: fico, vantagescore, experian, equifax (default: fico) |
Output
{
"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"
}Schema · Response
{
"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"
}
}Tags
x402
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