{"version":"2026.1","generated_at":"2026-04-28T01:50:14.570Z","platform":"ScorePivot","ontology":"credit-economy-2026","categories":[{"id":"credit-utilization","name":"Credit Utilization","description":"Tools for modeling utilization ratios, score impact, and optimization strategies."},{"id":"startup-economics","name":"Startup Economics","description":"Tools for modeling agency startup costs, profit timelines, and ROI."},{"id":"dispute-automation","name":"Dispute Automation","description":"Tools for generating compliant dispute letters and forecasting dispute outcomes."},{"id":"compliance","name":"Compliance","description":"Tools for CROA, FTC, and state-level compliance checks."},{"id":"machine-economy","name":"Machine Economy","description":"Tools for AI-agent workflows, credit ontology, and MCP discovery."}],"tools":[{"id":"credit-utilization-optimizer","name":"Credit Utilization Calculator 2026","category":"credit-utilization","url":"https://scorepivot.com/tools/credit-utilization-optimizer","description":"Calculates utilization ratios and models score impact using 2026 credit heuristics.","inputs":{"credit_limit":"number","current_balance":"number","projected_payment":"number?"},"outputs":{"utilization_ratio":"number","score_impact_estimate":"number","recommendations":"string[]"},"capabilities":["calculate-utilization","estimate-score-impact","generate-optimization-path"],"mcp":{"callable":true,"method":"POST","endpoint":"/mcp/calc/utilization"}},{"id":"credit-repair-business-startup-calculator","name":"Credit Repair Startup Calculator","category":"startup-economics","url":"https://scorepivot.com/tools/credit-repair-business-startup-calculator","description":"Models startup costs, break-even timelines, and profit projections for new agencies.","inputs":{"monthly_clients":"number","pricing_model":"string","software_costs":"number","marketing_budget":"number?"},"outputs":{"break_even_month":"number","monthly_profit_projection":"number","roi_curve":"object"},"capabilities":["calculate-break-even","model-profit","generate-roi-curve"],"mcp":{"callable":true,"method":"POST","endpoint":"/mcp/calc/startup"}},{"id":"609-dispute-letter-generator","name":"609 Dispute Letter Generator","category":"dispute-automation","url":"https://scorepivot.com/tools/609-dispute-letter-generator","description":"Generates compliant 609 dispute letters using 2026 legal heuristics.","inputs":{"consumer_name":"string","address":"string","account_details":"object","dispute_reason":"string"},"outputs":{"letter_pdf":"string(base64)","compliance_notes":"string[]"},"capabilities":["generate-609-letter","validate-compliance","format-legal-document"],"mcp":{"callable":true,"method":"POST","endpoint":"/mcp/dispute/609"}},{"id":"mcp-discovery","name":"AI Agent Discovery (MCP-2026)","category":"machine-economy","url":"https://scorepivot.com/for-ai-agents","description":"Provides MCP handshake, credit ontology, and registry of 41 agent tools.","inputs":{},"outputs":{"registry":"object","ontology":"object","capabilities_index":"object"},"capabilities":["discover-mcp-tools","fetch-ontology","list-agent-capabilities"],"mcp":{"callable":false,"endpoint":"/mcp/registry"}}]}