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Credit Score Band Interpreter
x402
Credit Score Band Interpreter is a paid API for AI agents from api.strale.io, paid per call via x402, $0.0216/call, status unknown (last checked 2026-09-15).
Converts a numeric credit score into a risk band, percentile estimate, and universal risk level, 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 credit score band label (e.g. 'Good'), the original score value, the scoring system identifier and full name, the score threshold needed to reach the next band up, a percentile estimate string, and a universal risk level (e.g. 'low', 'medium', 'high') that normalizes across scoring systems.
Example use cases
Loan eligibility pre-screening
“A loan applicant has a FICO score of 680 — what risk band does that put them in and roughly what percentile is that?”
VantageScore risk classification
“I have a VantageScore of 635 — can you tell me what universal risk level that maps to and how far I'd need to go to reach the next band?”
Cross-system credit score comparison
“My Equifax score is 745 — what band and risk level does that correspond to, and what percentile does it represent?”
Technical details
Endpoint
GEThttps://api.strale.io/x402/v2/credit-score-bandWhen to prefer
Use this endpoint when you need to interpret or contextualize a raw credit score number — especially when translating between scoring systems or communicating risk in plain language. Ideal for lending pipelines, financial advisory agents, or any workflow where a numeric credit score needs human-readable risk classification and percentile context.
Side effects
- Missing required 'score' parameter returns a validation error
- Score value out of realistic range for the specified system may produce undefined results
- Invalid scoring system string returns an error or defaults to FICO
- Non-numeric score value causes a schema validation failure
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| scorerequired | number | Credit score value |
| system | string | Scoring system: fico, vantagescore, experian, equifax (default: fico) |
Output
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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