# Credit Score Band Interpreter

> 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.

## Facts

- Endpoint: GET https://api.strale.io/x402/v2/credit-score-band
- Price: $0.0216/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/credit-score-band-interpreter-ceaade2b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_TUuOlA6hUC7zUjxnlcJn7

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 credit-score-band-interpreter-ceaade2b
```

Example prompt: What risk band and percentile does a FICO score of 720 fall into, and how far away is the next band up?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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/credit-score-band-interpreter-ceaade2b/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)