# DebtPulse Credit Repair Roadmap

> DebtPulse Credit Repair Roadmap is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Returns a dispute strategy, negative-item analysis, and credit repair timeline tailored by country for credit and debt-relief agents.

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/credit
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-credit-repair-roadmap-356fb840
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_X-TOhh3h-y9OW2IFZIwfk

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 debtpulse-credit-repair-roadmap-356fb840
```

Example prompt: I have several negative items on my credit report — two collections and a late payment from 2022 — can you build me a dispute strategy and credit repair roadmap with a realistic timeline for someone in the US?

## When to prefer this

Use this endpoint when an agent needs a structured, actionable credit repair plan including dispute strategies and timelines, especially with country-specific guidance. Prefer this over generic financial advice endpoints when the user's goal is specifically improving their credit score by disputing or addressing negative items.

## Known failure modes

- Missing or unsupported country code returns an error or generic response
- Insufficient credit profile data may produce a vague or incomplete roadmap
- API unavailability or payment failure (x402) returns a 402 or 5xx error
- Ambiguous negative item descriptions may yield generic dispute advice

## How this service works

Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.

## Output

A structured credit repair roadmap including a dispute strategy for negative items, analysis of which negative items are disputable and their impact, and a country-specific repair timeline with prioritized action steps.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "action": {
       "type": "string",
       "description": "minimum-payment | interest-cost | balance-transfer | dispute | hardship | payoff-strategy"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "action": "minimum-payment",
  "balance": 8500,
  "rate_apr": 24.99,
  "minimum_payment": 170,
  "payoff_years_minimum": 8.4,
  "total_interest_minimum": 8940,
  "interest_saved_extra_100": 5200
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-credit-repair-roadmap-356fb840/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)