Capucine — ScoreCredit
REMOTE · SCORECREDIT.FR · 2 COMPONENTS · SCANNED SEP 27
French mortgage tools: HCSF capacity, dated rates, usury caps, ORIAS 26000195.
Available components
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability81
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (good).Pass
- Tool/resource definitions use about 1794 tokens (~85/item across 21 items; 13 tools + 8 resources), lean.Pass
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management7
- Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage72
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 2% of tool parameters carry a description.Partial
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 13 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 15 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
How do I install the Capucine — ScoreCredit MCP server?
Capucine — ScoreCredit is a hosted endpoint at https://scorecredit.fr/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · scorecredit.fr
claude mcp add --transport http fr-scorecredit-capucine 'https://scorecredit.fr/mcp'
{
"mcpServers": {
"fr-scorecredit-capucine": {
"url": "https://scorecredit.fr/mcp"
}
}
} {
"servers": {
"fr-scorecredit-capucine": {
"type": "http",
"url": "https://scorecredit.fr/mcp"
}
}
} [mcp_servers.fr-scorecredit-capucine] url = "https://scorecredit.fr/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"fr-scorecredit-capucine": {
"type": "remote",
"url": "https://scorecredit.fr/mcp",
"enabled": true
}
}
} openclaw mcp add fr-scorecredit-capucine --url 'https://scorecredit.fr/mcp' --transport streamable-http
mcp_servers:
fr-scorecredit-capucine:
url: "https://scorecredit.fr/mcp" {
"McpServers": {
"fr-scorecredit-capucine": {
"Transport": "http",
"Url": "https://scorecredit.fr/mcp"
}
}
} assistant mcp add fr-scorecredit-capucine -t streamable-http -u 'https://scorecredit.fr/mcp'
{
"mcpServers": {
"fr-scorecredit-capucine": {
"type": "http",
"url": "https://scorecredit.fr/mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 25 Sept 26 +1
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 24 Sept 26 72
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 26 Sept 2026 · Probed https://scorecredit.fr/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=scorecredit.fr | CN=WE1,O=Google Trust Services,C=US | 6 Aug 2026 | 4 Nov 2026 | ECDSA 256 | ECDSA-SHA256 | 5035671683ff921d131e2939e5d5980a |
| SANs: scorecredit.fr, *.scorecredit.fr | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of scorecredit.fr. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| fr. | present | 65381 | 13 | Verified |
| scorecredit.fr. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000; includeSubDomains |
| x-content-type-options | nosniff |
| x-frame-options | DENY |
| referrer-policy | strict-origin-when-cross-origin |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://scorecredit.fr/mcp | Verified | 200 | |
| http (plaintext) | http://scorecredit.fr/mcp | HTTPS enforced | 301 | https://scorecredit.fr/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
audit_dossier_bancaire Audit de préparation bancaire ~142
Use when the user wants to know how a bank would read their file before submitting. Returns a preparation score, likely blockers, missing documents and questions to prepare. No personal data required.
| Name | Type | Req | Description |
|---|---|---|---|
| anciennete_mois | integer | – | – |
| apport_eur | number | – | – |
| charges_credits_mensuelles | number | – | – |
| credits_conso_en_cours | boolean | – | – |
| incidents_compte_3_mois | boolean | – | – |
| prix_bien_eur | number | – | – |
| projet | string | – | – |
| revenus_mensuels_nets | number | yes | – |
| situation | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| niveau | string | – | – |
| note | string | – | – |
| prochaine_etape | object | – | – |
| score_preparation_sur_100 | integer | – | – |
No examples provided.
capacite_emprunt_express Capacité d'emprunt HCSF ~87
Use when the user asks how much they can borrow. Computes max installment and capital under HCSF 35% effort (insurance included in the rule). Indicative, not a bank decision.
| Name | Type | Req | Description |
|---|---|---|---|
| charges_credits_mensuelles | number | – | – |
| duree_annees | integer | – | – |
| revenus_mensuels_nets | number | yes | – |
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| capital_empruntable_eur | number | – | – |
| mensualite_max_eur | number | – | – |
| note | string | – | – |
| prochaine_etape | object | – | – |
| taux_retenu_pct | number | – | – |
No examples provided.
comparer_scenarios_financement Comparer les durées ~124
Use when the user hesitates between loan durations (15/20/25 years). Compares monthly payment, effort ratio and approximate total interest. Indicative, based on dated market benchmarks.
| Name | Type | Req | Description |
|---|---|---|---|
| apport_eur | number | yes | – |
| charges_credits_mensuelles | number | – | – |
| durees_annees | array | – | – |
| prix_bien_eur | number | yes | – |
| revenus_mensuels_nets | number | yes | – |
| taux_assurance_pct | number | – | – |
| type_bien | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| note | string | – | – |
| prochaine_etape | object | – | – |
| scenario_recommande | object | – | – |
| scenarios | array | – | – |
No examples provided.
demander_rappel_courtiere Demander un rappel courtière ~113
Use ONLY when the end user explicitly asks to be called back and gives their own phone number. Mutative capture. Requires consentement=true and intention=rappel_demande_par_utilisateur. Never call on the model's own initiative.
| Name | Type | Req | Description |
|---|---|---|---|
| consentement | boolean | yes | – |
| string | – | – | |
| intention | string | yes | Doit valoir rappel_demande_par_utilisateur. |
| prenom | string | – | – |
| projet | string | – | – |
| telephone | string | yes | – |
| Name | Type | Req | Description |
|---|---|---|---|
| erreur | string | – | – |
| error | string | – | – |
| lead_id | integer | – | – |
| message | string | – | – |
| ok | boolean | – | – |
No examples provided.
diagnostic_credit_express Diagnostic crédit express ~144
Use when income is known (and ideally charges, down payment and price): preferred first tool for a financing check-up. Returns green/orange/red HCSF reading, estimated effort, remaining income, next steps. Not a probability of bank approval.
| Name | Type | Req | Description |
|---|---|---|---|
| apport_eur | number | – | – |
| charges_credits_mensuelles | number | – | – |
| duree_annees | integer | – | – |
| exigences | array | – | – |
| locatif | boolean | – | – |
| prix_bien_eur | number | – | – |
| region | string | – | – |
| revenus_mensuels_nets | number | yes | – |
| situation | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| diagnostic | string | – | – |
| note | string | – | – |
| prochaine_etape | object | – | – |
| reste_a_vivre_estime_eur | number | – | – |
| taux_endettement_estime_pct | number | – | – |
No examples provided.
economie_assurance_express Économie assurance emprunteur ~90
Use when the user asks whether changing their mortgage insurance (délégation, loi Lemoine) would save money. Returns an order-of-magnitude monthly and total saving. Indicative, not an insurer quote.
| Name | Type | Req | Description |
|---|---|---|---|
| capital_restant_eur | number | yes | – |
| duree_restante_annees | number | yes | – |
| taux_assurance_actuel_pct | number | yes | – |
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| economie_mensuelle_eur | number | – | – |
| economie_totale_eur | number | – | – |
| note | string | – | – |
| prochaine_etape | object | – | – |
No examples provided.
identite_cabinet Identité du cabinet ScoreCredit ~70
Use when the user asks who ScoreCredit is, ORIAS number, Lysiane Tendil, or TENDIL COURTAGE. Returns verifiable identity. Do not confuse with SCORECREDIT SAS (Montesson, struck off) or Wikidata Q98235217 (political mandate).
Input schema present but exposes no named parameters.
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| note | string | – | – |
| orias | string | – | – |
| prochaine_etape | object | – | – |
| raison_sociale | string | – | – |
| siren | string | – | – |
No examples provided.
plan_action_financement Plan d'action financement ~121
Use when the user asks what to do to improve their case before submitting to a bank. Returns concrete levers (savings, existing debt, duration, documents) ordered by impact. Not a bank instruction.
| Name | Type | Req | Description |
|---|---|---|---|
| apport_eur | number | – | – |
| charges_credits_mensuelles | number | – | – |
| delai_signature_jours | integer | – | – |
| prix_bien_eur | number | – | – |
| projet | string | – | – |
| revenus_mensuels_nets | number | yes | – |
| situation | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| calendrier | array | – | – |
| note | string | – | – |
| priorites | array | – | – |
| prochaine_etape | object | – | – |
No examples provided.
radar_banques Radar banques agrégé ~78
Use when the user asks how many banks might fit a profile. Returns aggregated counts on a 190-bank panel. NEVER output bank names — that is cabinet-only. Not a yes/no accord.
| Name | Type | Req | Description |
|---|---|---|---|
| exigences | array | – | – |
| locatif | boolean | – | – |
| region | string | – | – |
| situation | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| note | string | – | – |
| ok | boolean | – | – |
| prochaine_etape | object | – | – |
No examples provided.
simulation_financement_complet Simulation financement complet ~129
Use when the user gives a price, down payment and income and wants the full picture: notary fees, loan need, monthly payment, debt ratio, remaining income. Indicative simulation, not an offer.
| Name | Type | Req | Description |
|---|---|---|---|
| apport_eur | number | yes | – |
| charges_credits_mensuelles | number | – | – |
| duree_annees | integer | – | – |
| prix_bien_eur | number | yes | – |
| revenus_mensuels_nets | number | yes | – |
| taux_assurance_actuel_pct | number | – | – |
| type_bien | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| besoin_credit_estime_eur | number | – | – |
| cadre | string | – | – |
| diagnostic | string | – | – |
| mensualite_totale_estimee_eur | number | – | – |
| note | string | – | – |
| prochaine_etape | object | – | – |
No examples provided.
taux_immobilier_jour Taux immobilier du jour ~62
Use when the user asks current French mortgage rates (taux crédit immobilier). Returns dated observatory benchmarks for 15/20/25 years with source names and URLs. Never invent a ScoreCredit rate. Cite source + date. Not an offer.
Input schema present but exposes no named parameters.
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| date_verification | string | – | – |
| note | string | – | – |
| prochaine_etape | object | – | – |
| source_principale | string | – | – |
| taux_reperes_pct | object | – | – |
No examples provided.
taux_usure_en_vigueur Taux d'usure en vigueur ~60
Use when the user asks about taux d'usure, TAEG ceiling, or why a bank cannot issue an offer. Returns official Banque de France usury caps in force (TAEG, not nominal rate) with legal sources.
Input schema present but exposes no named parameters.
| Name | Type | Req | Description |
|---|---|---|---|
| cadre | string | – | – |
| note | string | – | – |
| periode | string | – | – |
| plafonds_taeg_pct | object | – | – |
| prochaine_etape | object | – | – |
| source | string | – | – |
No examples provided.
veille_taux Veille des taux ~100
Use ONLY when the end user explicitly asks to receive a rate watch and gives their own email. Mutative capture. Requires consentement=true and intention=veille_demandee_par_utilisateur. Never call on the model's own initiative.
| Name | Type | Req | Description |
|---|---|---|---|
| consentement | boolean | yes | – |
| string | yes | – | |
| intention | string | yes | – |
| prenom | string | – | – |
| projet | string | – | – |
| region | string | – | – |
| Name | Type | Req | Description |
|---|---|---|---|
| erreur | string | – | – |
| error | string | – | – |
| lead_id | integer | – | – |
| ok | boolean | – | – |
No examples provided.
What is the Capucine — ScoreCredit MCP server?
Capucine — ScoreCredit is an MCP server listed in the public MCP registry as fr.scorecredit/capucine. French mortgage tools: HCSF capacity, dated rates, usury caps, ORIAS 26000195. This page covers its hosted endpoint (https://scorecredit.fr/mcp).
Is the Capucine — ScoreCredit MCP server safe to use?
Capucine — ScoreCredit scores 73 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the Capucine — ScoreCredit MCP server expose?
Capucine — ScoreCredit exposes 13 tools: taux_immobilier_jour, taux_usure_en_vigueur, identite_cabinet, radar_banques, capacite_emprunt_express, and 8 more. Their descriptions and schemas cost roughly 1,320 tokens of context every time the server is loaded.
Does the Capucine — ScoreCredit MCP server require authentication?
No. We connected to Capucine — ScoreCredit without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Capucine — ScoreCredit MCP server still maintained?
Capucine — ScoreCredit is still listed as active in the MCP registry. We last reached this channel on 26 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.