# Credit Score Band Converter

> 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.

## Facts

- Endpoint: GET https://api.strale.io/x402/credit-score-band
- Price: $0.0216/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/api-strale-io-5e96c881
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_wUoO7YRsfES-NYDJcOYyh

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability api-strale-io-5e96c881
```

Example prompt: What risk band and percentile does a FICO score of 715 fall into?

## When to prefer this

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.

## Known failure modes

- 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

## 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 request

```json
{
 "score": 715,
 "system": "fico"
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "score"
 ],
 "properties": {
  "score": {
   "type": "number",
   "description": "Credit score value"
  },
  "system": {
   "type": "string",
   "description": "Scoring system: fico, vantagescore, experian, equifax (default: fico)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/api-strale-io-5e96c881/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.strale.io](https://www.zero.xyz/host/api.strale.io/llms.txt)