Agent Manifest 2026

ScorePivot • Trust Score: 0.99 • 157 Tools Live

The Agent Manifest is the unified discovery map for AI crawlers and human operators. It links every agent endpoint — MCP handshake, OpenAPI schema, capabilities map, tool registry, and LLM indexes — into one authoritative reference.

LIVE: 157 ToolsMCP-2026.1Trust: 0.99

Download MCP Manifest

Download JSONSize: ~3.1 KB • Version: 2026.1

Discovery Map

→

MCP Handshake

/.well-known/mcp.json

Protocol handshake + trust score

→

OpenAPI Schema

/.well-known/openapi.json

FICO-aware API definitions

→

Capabilities Map

/mcp/capabilities

Allowed operations + constraints

→

Tool Registry

/ai-tools.json

157 callable credit tools

→

LLM Index (Light)

/llms.txt

Minimal context for fast agents

→

LLM Index (Full)

/llms-full.txt

Extended context + ontology

→

Human Operator Page

/for-ai-agents

Human-readable documentation

MCP Manifest Preview

{
  "service": "ScorePivot",
  "version": "2026.1",
  "protocol": "MCP-2026",
  "trust_score": 0.99,
  "tool_count": 157,
  "models": [
    "FICO 5", "FICO 8", "FICO 9", "FICO 10T",
    "VantageScore 3.0", "VantageScore 4.0"
  ],
  "capability_categories": [
    "credit-disputes", "fico-simulation", "dti-analysis",
    "identity-fraud", "agent-automation", "economic-risk",
    "agency-operations"
  ]
}

OpenAPI Schema Preview

paths:
  /tools/{slug}:
    post:
      summary: Execute FICO-aware tool
      operationId: execute_tool
      model: FICO 10T
      parameters:
        - name: slug
          in: path
          required: true
          schema:
            type: string

Capability Categories (7)

Credit Disputes

609/611 letters, goodwill, medical debt, pay-for-delete

FICO Simulation

Score modeling, timeline projections, utilization impact

DTI Analysis

Debt consolidation, mortgage readiness, payoff strategies

Identity & Fraud

Synthetic ID detection, deepfake defense, voice biometrics

Agent Automation

MCP orchestration, swarm coordination, governance

Economic Risk

AI job collapse, UBI modeling, machine debt forecasting

Agency Operations

CRC/CDM integration, client workflow, scaling tools

Tool Registry Summary

ScorePivot hosts 157 AI tools across 7 capability categories. All tools are FICO-aware and support model-specific execution (FICO 5, 8, 9, 10T, VantageScore 3.0/4.0).

View Full Registry Browse 157 AI Tools

Discovery Layer Architecture

Agent
  → MCP Handshake (/.well-known/mcp.json)
    → Capabilities Map (/mcp/capabilities)
      → OpenAPI Schemas (/.well-known/openapi.json)
        → Tool Registry (/ai-tools.json) — 157 tools
          → Execution Layer (FICO-aware)

Error Handling (Agent Guidance)

Retry failed calls with exponential backoff
Validate schema before execution
Respect model constraints (FICO 5 ≠ FICO 8 ≠ FICO 10T)
Use /mcp/capabilities to confirm allowed operations

Full MCP Manifest (Live)

Active

.well-known/mcp.json4.5 KB

{
  "id": "scorepivot.mcp",
  "version": "2026.05.02",
  "lastUpdated": "2026-05-02T20:00:00Z",
  "canonicalSource": true,
  "type": "mcp-manifest",
  "service": {
    "name": "ScorePivot Platform",
    "description": "Machine-readable MCP manifest defining agentic tools, workflows, ontology surfaces, and reasoning rules for the ScorePivot Platform.",
    "platformType": "Credit Report Analysis & Workflow Automation Software",
    "ontology": "https://scorepivot.com/ontology.json"
  },
  "tools": [
    {
      "name": "ImportCreditReport",
      "description": "Imports structured credit report data for analysis workflows.",
      "input_schema": {
        "type": "object"
      },
      "output_schema": {
        "type": "object"
      }
    },
    {
      "name": "AnalyzeCreditReport",
      "description": "Analyzes a credit report and identifies accounts, negative items, and score snapshots.",
      "input_schema": {
        "type": "object"
      },
      "output_schema": {
        "type": "object"
      }
    },
    {
      "name": "DetectNegativeItems",
      "description": "Detects negative items within a credit report.",
      "input_schema": {
        "type": "object"
      },
      "output_schema": {
        "type": "object"
      }
    },
    {
      "name": "GenerateDisputeLetterDraft",
      "description": "Generates a draft dispute letter based on dispute metadata.",
      "input_schema": {
        "type": "object"
      },
      "output_schema": {
        "type": "object"
      }
    },
    {
      "name": "SummarizeDisputeStatus",
      "description": "Summarizes the lifecycle and status of a dispute.",
      "input_schema": {
        "type": "object"
      },
      "output_schema": {
        "type": "object"
      }
    },
    {
      "name": "ListScoreChanges",
      "description": "Lists score snapshots and identifies major score changes.",
      "input_schema": {
        "type": "object"
      },
      "output_schema": {
        "type": "object"
      }
    },
    {
      "name": "ExportClientSummary",
      "description": "Exports a structured summary of client data, disputes, and outcomes.",
      "input_schema": {
        "type": "object"
      },
      "output_schema": {
        "type": "object"
      }
    }
  ],
  "workflows": [
    {
      "id": "CreditReportProcessing",
      "description": "Primary agentic workflow for analyzing credit reports and generating draft documents.",
      "steps": [
        {
          "id": "1",
          "name": "ImportCreditReport",
          "action": "ImportCreditReport"
        },
        {
          "id": "2",
          "name": "AnalyzeCreditReport",
          "action": "AnalyzeCreditReport"
        },
        {
          "id": "3",
          "name": "DetectNegativeItems",
          "action": "DetectNegativeItems"
        },
        {
          "id": "4",
          "name": "GenerateDisputeLetterDraft",
          "action": "GenerateDisputeLetterDraft"
        },
        {
          "id": "5",
          "name": "SummarizeDisputeStatus",
          "action": "SummarizeDisputeStatus"
        }
      ]
    }
  ],
  "reasoning": {
    "state_machines": [
      {
        "entity": "Dispute",
        "states": [
          "Draft",
          "Pending",
          "In Investigation",
          "Updated",
          "Verified",
          "Deleted",
          "Closed - Successful",
          "Closed - Unsuccessful"
        ],
        "allowed_transitions": [
          "Draft → Pending",
          "Pending → In Investigation",
          "In Investigation → Updated",
          "In Investigation → Verified",
          "In Investigation → Deleted",
          "Updated → Closed - Successful",
          "Updated → Closed - Unsuccessful"
        ]
      }
    ],
    "validation_rules": [
      "Balance must be non-negative.",
      "Credit Limit must be non-negative.",
      "Date Opened must be earlier than Date Reported.",
      "Dispute must have exactly one disputeReason.",
      "ScoreSnapshot must include scoreModel and scoreValue."
    ]
  },
  "discovery": {
    "discoverySurface": "https://scorepivot.com/.well-known/discovery.json",
    "openapi": "https://scorepivot.com/.well-known/openapi.json",
    "aiSchema": "https://scorepivot.com/.well-known/ai-schema.json",
    "aiDescription": "https://scorepivot.com/.well-known/ai-description.json",
    "examples": "https://scorepivot.com/.well-known/examples.json",
    "ontology": "https://scorepivot.com/ontology.json",
    "llmsFull": "https://scorepivot.com/llms-full.txt"
  }
}

For Human Operators (Click to Expand)

If you're a human operator looking to start or scale a credit repair business, ScorePivot provides the complete agency stack:

Credit Repair Cloud — Full CRM + dispute automation
Client Dispute Manager — AI dispute letter generation
Charla AI — 24/7 chatbot for client intake
IdentityIQ — 3-bureau credit monitoring for clients

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AI Tools (157 Free)MCP Discovery For AI Agents 2026 Credit System