MCP-2026 Discovery Handshake

ScorePivot•Trust Score: 0.99•157 Tools Live

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This page is the primary MCP-2026 server descriptor for ScorePivot. It contains: service identity, protocol version, capability categories, discovery endpoints, trust score, tool registry location, and LLM ingestion indexes. Everything an autonomous agent needs to integrate into the ScorePivot FICO + VantageScore ecosystem.

Download MCP Manifest (JSON)All Discovery Endpoints

/.well-known/mcp.json•Size: ~3.1 KB•Version: 2026.1

MCP-2026 Server Descriptor (Preview)

mcp-server-descriptor.json0.9 KB

{
  "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"
  ],
  "discovery_endpoints": {
    "tools": "/ai-tools.json",
    "openapi": "/.well-known/openapi.json",
    "capabilities": "/mcp/capabilities",
    "llms_txt": "/llms.txt",
    "llms_full": "/llms-full.txt"
  },
  "human_endpoints": {
    "homepage": "https://scorepivot.com",
    "tools_hub": "https://scorepivot.com/tools",
    "ai_agents_page": "https://scorepivot.com/for-ai-agents",
    "contact": "https://scorepivot.com/contact"
  }
}

Discovery Endpoints

Tool Registry

/ai-tools.json

Machine-readable index of all 157 tools.

OpenAPI Schema

/.well-known/openapi.json

FICO + VantageScore schema definitions.

Capabilities Map

/mcp/capabilities

Allowed operations, models, constraints.

LLM Indexes

/llms.txt+/llms-full.txt

MCP Manifest Preview (Inline)

{
  "mcp_version": "2026.1",
  "tool_count": 157,
  "capabilities_url": "https://scorepivot.com/mcp/capabilities"
}

OpenAPI Preview (Inline)

paths:
  /tools/{slug}:
    post:
      summary: Execute FICO-aware tool
      operationId: execute_tool
      model: FICO 10T

Discovery Layer Architecture

Agent
  → MCP Handshake
    → Capabilities Map
      → OpenAPI Schemas
        → Tool Registry (157 tools)
          → Execution Layer

Error Handling (Agent Guidance)

1.Retry failed calls with exponential backoff
2.Validate schema before execution
3.Respect model constraints (FICO 5 ≠ FICO 8 ≠ FICO 10T)
4.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"
  }
}

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/for-ai-agents • /ai-tools.json • /.well-known/mcp.json