The blog
Plain-English guides to phone lookups, credit scores, tenant and lead screening, and doing it all by the book.
66 articles
A freeze and a lock both keep new lenders out of your file. The difference is the fine print: one is a federal right with deadlines and no fees, the other is a product governed by a company's terms. Here's what each blocks and how to pick.
The Fair Credit Reporting Act never asks who typed the request. When an assistant pulls a report for your business, your business is the user, and every duty that comes with that stays put. A section-by-section walk through what that means.
Burner numbers are legal and often harmless, but they're also the favorite tool of rental scammers and fake buyers. How to tell a throwaway number from a real one, which signals actually mean something, and what to do when you find one.
Connected assistants can now be set to ask before every paid lookup, and each connection gets its own monthly spending limit. How an approval works from request to rerun, and which teams should turn it on.
The in-home appointment is the most expensive hour in a home improvement sale. Here's how solar, roofing, HVAC and remodeling teams can pre-qualify financing with a soft pull before the rep ever rings the bell, and stay on the right side of the rules doing it.
ChatGPT, Claude, Cursor, VS Code and homegrown agents can all run real credit lookups once they're connected to a credit data service, and none of them can do it alone. A side-by-side of what each can do, plus the risks nobody puts in the demo.
There are legitimate ways to find someone's address from a phone number, and a few popular shortcuts that are federal crimes. Here's how to tell them apart, which methods return a current address, and why so many free results are years out of date.
A rep on the phone, a caller who says yes to a soft pull, and an assistant connected to our MCP server. What the call costs, how score bands map to offers, what goes in the CRM, and why ECOA and the FCRA still apply.
A good FICO Score starts at 670, but 'good' depends on the model and on what you're applying for. The real ranges for FICO and VantageScore, plus the thresholds that change the outcome for mortgages, cars and apartments.
Claude can't reach a credit bureau by itself. Give it a connector to a credit data service and a legal reason to look, and it can run a soft-pull lookup and explain the result. Here's the setup in Claude and Claude Code, test mode first.
A working pattern for sending every consenting lead to the right person within seconds: a lookup on form submit, a signed webhook, a small router that reads the score and the phone signals, and a queue for everything that doesn't fit.
Phone credit lookups now work inside AI assistants that support the Model Context Protocol. What the server does, the tools it offers, how sign-in replaces API keys, and the rules that came along with it.
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