# Capucine — ScoreCredit (remote · scorecredit.fr)

French mortgage tools: HCSF capacity, dated rates, usury caps, ORIAS 26000195.

- Trust score: 74/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-27

## Components

- remote · `scorecredit.fr`: 25/100, [markdown](https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit.md), [page](https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit)
- remote · `scorecredit.fr`: 74/100 (this document), [markdown](https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit-2.md), [page](https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit-2)

## Channel facts

- Endpoint: `https://scorecredit.fr/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `2.2.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-09-27.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 81/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1794 tokens (~85/item across 21 items; 13 tools + 8 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 10/100
  - Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 72/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 2% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 13 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 15 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http fr-scorecredit-capucine 'https://scorecredit.fr/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "fr-scorecredit-capucine": {
      "url": "https://scorecredit.fr/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "fr-scorecredit-capucine": {
      "type": "http",
      "url": "https://scorecredit.fr/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.fr-scorecredit-capucine]
url = "https://scorecredit.fr/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "fr-scorecredit-capucine": {
      "type": "remote",
      "url": "https://scorecredit.fr/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add fr-scorecredit-capucine --url 'https://scorecredit.fr/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  fr-scorecredit-capucine:
    url: "https://scorecredit.fr/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "fr-scorecredit-capucine": {
      "Transport": "http",
      "Url": "https://scorecredit.fr/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add fr-scorecredit-capucine -t streamable-http -u 'https://scorecredit.fr/mcp'
```

### Other

```json
{
  "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.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-09-27 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-25 (score 73, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-24 (score 72)

First indexed and scored.

## MCP tools (13)

### `taux_immobilier_jour` (~62 tokens)

Taux immobilier du jour

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.

Output parameters:

- `cadre` (string)
- `date_verification` (string)
- `note` (string)
- `prochaine_etape` (object)
- `source_principale` (string)
- `taux_reperes_pct` (object)

### `taux_usure_en_vigueur` (~60 tokens)

Taux d'usure en vigueur

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.

Output parameters:

- `cadre` (string)
- `note` (string)
- `periode` (string)
- `plafonds_taeg_pct` (object)
- `prochaine_etape` (object)
- `source` (string)

### `identite_cabinet` (~70 tokens)

Identité du cabinet ScoreCredit

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).

Output parameters:

- `cadre` (string)
- `note` (string)
- `orias` (string)
- `prochaine_etape` (object)
- `raison_sociale` (string)
- `siren` (string)

### `radar_banques` (~78 tokens)

Radar banques agrégé

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.

Input parameters:

- `exigences` (array)
- `locatif` (boolean)
- `region` (string)
- `situation` (string)

Output parameters:

- `cadre` (string)
- `note` (string)
- `ok` (boolean)
- `prochaine_etape` (object)

### `capacite_emprunt_express` (~87 tokens)

Capacité d'emprunt HCSF

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.

Input parameters:

- `charges_credits_mensuelles` (number)
- `duree_annees` (integer)
- `revenus_mensuels_nets` (number, required)

Output parameters:

- `cadre` (string)
- `capital_empruntable_eur` (number)
- `mensualite_max_eur` (number)
- `note` (string)
- `prochaine_etape` (object)
- `taux_retenu_pct` (number)

### `economie_assurance_express` (~90 tokens)

Économie assurance emprunteur

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.

Input parameters:

- `capital_restant_eur` (number, required)
- `duree_restante_annees` (number, required)
- `taux_assurance_actuel_pct` (number, required)

Output parameters:

- `cadre` (string)
- `economie_mensuelle_eur` (number)
- `economie_totale_eur` (number)
- `note` (string)
- `prochaine_etape` (object)

### `diagnostic_credit_express` (~144 tokens)

Diagnostic crédit express

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.

Input parameters:

- `apport_eur` (number)
- `charges_credits_mensuelles` (number)
- `duree_annees` (integer)
- `exigences` (array)
- `locatif` (boolean)
- `prix_bien_eur` (number)
- `region` (string)
- `revenus_mensuels_nets` (number, required)
- `situation` (string)

Output parameters:

- `cadre` (string)
- `diagnostic` (string)
- `note` (string)
- `prochaine_etape` (object)
- `reste_a_vivre_estime_eur` (number)
- `taux_endettement_estime_pct` (number)

### `plan_action_financement` (~121 tokens)

Plan d'action financement

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.

Input parameters:

- `apport_eur` (number)
- `charges_credits_mensuelles` (number)
- `delai_signature_jours` (integer)
- `prix_bien_eur` (number)
- `projet` (string)
- `revenus_mensuels_nets` (number, required)
- `situation` (string)

Output parameters:

- `cadre` (string)
- `calendrier` (array)
- `note` (string)
- `priorites` (array)
- `prochaine_etape` (object)

### `simulation_financement_complet` (~129 tokens)

Simulation financement complet

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.

Input parameters:

- `apport_eur` (number, required)
- `charges_credits_mensuelles` (number)
- `duree_annees` (integer)
- `prix_bien_eur` (number, required)
- `revenus_mensuels_nets` (number, required)
- `taux_assurance_actuel_pct` (number)
- `type_bien` (string)

Output parameters:

- `besoin_credit_estime_eur` (number)
- `cadre` (string)
- `diagnostic` (string)
- `mensualite_totale_estimee_eur` (number)
- `note` (string)
- `prochaine_etape` (object)

### `comparer_scenarios_financement` (~124 tokens)

Comparer les durées

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.

Input parameters:

- `apport_eur` (number, required)
- `charges_credits_mensuelles` (number)
- `durees_annees` (array)
- `prix_bien_eur` (number, required)
- `revenus_mensuels_nets` (number, required)
- `taux_assurance_pct` (number)
- `type_bien` (string)

Output parameters:

- `cadre` (string)
- `note` (string)
- `prochaine_etape` (object)
- `scenario_recommande` (object)
- `scenarios` (array)

### `audit_dossier_bancaire` (~142 tokens)

Audit de préparation bancaire

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.

Input parameters:

- `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, required)
- `situation` (string)

Output parameters:

- `cadre` (string)
- `niveau` (string)
- `note` (string)
- `prochaine_etape` (object)
- `score_preparation_sur_100` (integer)

### `demander_rappel_courtiere` (~113 tokens)

Demander un rappel courtière

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.

Input parameters:

- `consentement` (boolean, required)
- `email` (string)
- `intention` (string, required): Doit valoir rappel_demande_par_utilisateur.
- `prenom` (string)
- `projet` (string)
- `telephone` (string, required)

Output parameters:

- `erreur` (string)
- `error` (string)
- `lead_id` (integer)
- `message` (string)
- `ok` (boolean)

### `veille_taux` (~100 tokens)

Veille des taux

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.

Input parameters:

- `consentement` (boolean, required)
- `email` (string, required)
- `intention` (string, required)
- `prenom` (string)
- `projet` (string)
- `region` (string)

Output parameters:

- `erreur` (string)
- `error` (string)
- `lead_id` (integer)
- `ok` (boolean)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit-2#diagnostics

## Score history

- 2026-09-27: 74
- 2026-09-26: 73
- 2026-09-25: 73
- 2026-09-24: 72

## Common questions

### 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 74 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 27 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://scorecredit.fr/mcp
- Website: https://scorecredit.fr/mcp
- Changelog RSS feed: https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit-2.xml
- Changelog JSON feed: https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit-2.json
- HTML version of this page: https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit-2