feat: Add External Credit Bureau Integration MCP Server

[niksacdev]

Description

Create an MCP server to integrate with external credit bureaus (Experian, Equifax, TransUnion) for real-time credit checks.

Acceptance Criteria

• Create credit bureau integration MCP server
• Support multiple bureau APIs
• Handle authentication and rate limiting
• Parse and normalize credit report data
• Add fallback mechanisms for bureau outages
• Implement comprehensive error handling

Technical Details

• Abstract bureau-specific APIs behind common interface
• Cache responses appropriately (with TTL)
• Handle soft and hard credit pulls
• Return standardized credit report format
• Ensure PCI compliance for data handling

Priority

High - Required for production credit decisions