The blog
Plain-English guides to phone lookups, credit scores, tenant and lead screening, and doing it all by the book.
A hard inquiry sits on your credit report for two years, yet FICO scores only count it for the first twelve months. Here's the month-by-month timeline, what one usually costs, and when an inquiry is worth disputing.
Yes, if you have a legal reason and use a service built for it. How a phone number becomes a name, an address and a real FICO score, what the FCRA requires, when a lookup comes back empty, and why free sites can't do it.
Plenty of buy here pay here lots skip credit checks because the score 'doesn't matter,' and they're half right. The open auto loans, recent repos and phone risk in a soft-pull report matter a lot more, and so do the rules that come with holding your own paper.
We walk through one complete sample result, top to bottom, for a fictional applicant: what every tile and line means, which numbers deserve your attention first, and how to read the whole thing in under two minutes.
66 articles
Per-report pricing looks simple until the first invoice. Here's what actually gets billed, the costs that hide in credit data contracts, and a forecasting model you can drop into a spreadsheet, with worked examples at three volumes.
A lead form that asks for a phone number and nothing else converts better. Phone number enrichment fills in the rest: who the person is, where they live, what kind of line they're on and, with their OK, whether they'll qualify for financing.
One website or one phone call takes your name off the lists credit bureaus sell for pre-approved offers. How to opt out of prescreened offers, how long it lasts, and the things it won't stop that people expect it to.
Most car-selling scams start with a text from a number that isn't what it seems. A few minutes spent checking who's on the other end, and how they plan to pay, saves sellers from the overpayment and verification-code traps.
Running 300 credit lookups is a different job than running one. The list has to qualify, the file needs cleaning, the script has to retry safely, and the results need a plan. This is the workflow we'd hand a new ops hire.
When an assistant runs a lookup, the result becomes part of the chat, and the chat goes places. Here's the path a credit report takes, what each stop keeps, and a short checklist for teams that let assistants pull credit.
A business partnership is a financial marriage, usually entered after a few good lunches. Here are the six checks worth doing before you sign anything, and how to ask for them without wrecking the relationship.
A small Python agent that talks to our MCP server over plain HTTP with a pncs_test_ key: the handshake, the tool call, a loop you can hand to any model, and the guardrails that stop it from guessing a purpose or paying twice.
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Name, current address and real FICO® Score 4 from TransUnion data. Results in seconds. As low as $9.99.
