Phone Number Credit Score vs. 700Credit
A credit API with published prices, no onsite inspection and keys today, for any U.S. business, not just dealerships.
Side by side
How the two compare.
| Feature | Phone Number Credit Score | 700Credit |
|---|---|---|
| API access | $49 a month, or $149 a year | Pricing by quote4 |
| Setup fee | $0 | Pricing by quote4 |
| Per TransUnion FICO® Score 4 | $7.50 per match (+$2 for every account and payment) | Pricing by quote4 |
| No match | Free | Not stated on their site |
| What you need to search | A phone number (name, address, date of birth or SSN optional) | Not stated on their site |
| Inspection or credentialing | None | An onsite inspection after a compliance review1 |
| Time to get started | Today: sign up online, keys right away | “As little as 48 hours” after approval1 |
| API | REST API with JSON answers, OAuth apps and Zapier (beta) | Integration for software partners3 |
| MCP server for AI agents | Yes: Claude, ChatGPT, Cursor and other agents, with spending limits | Not mentioned on their site |
| Free test keys | Yes, with sample people and test numbers | A sandbox for software partners3 |
| Who it’s for | Lenders, landlords, dealers, agencies and other U.S. businesses | Automotive, RV, powersports and marine dealerships2 |
- 700Credit FAQs (opens in a new tab), read Oct 25, 2026.
- About 700Credit (opens in a new tab), read Oct 25, 2026.
- 700Credit integration solutions (opens in a new tab), read Oct 25, 2026.
- 700Credit sign-up (opens in a new tab), read Oct 25, 2026.
What’s different
Live today, priced in the open.
Just a phone number
Name, current address and FICO® Score 4 from one U.S. number. No SSN needed.
No inspection
No site visit, no photos of your office, no membership application.
$7.50 per match
No match is free. $49 a month for access, $0 setup.
MCP server
Claude, ChatGPT and your own agents can run lookups within your limits. How
Questions
How much does Phone Number Credit Score cost?
The API plan is $49 a month or $149 a year, plus $7.50 for each lookup that finds a match. No match is free, there’s no setup fee, and test keys are free.
Do I need an inspection or credentialing?
No. We hold the bureau relationship, so there’s no site inspection, no membership application and no security audit before your first lookup.
What do I need to run a lookup?
A U.S. phone number. You can add a name, address, date of birth or SSN to help find newer files, but none of them is required.
Is Phone Number Credit Score affiliated with 700Credit?
No. We’re a separate company, and this page compares the two using 700Credit’s own public pages on the dates shown.
Pull credit only with a permissible purpose under the Fair Credit Reporting Act, such as the person’s written consent. The rules
Ready?
Get your keys today.
Test keys free. $7.50 per FICO® Score 4 match. No setup fee.
More comparisons: iSoftpull · MicroBilt · CRS Credit API · ComplyTraq
700Credit is a trademark of its owner, used here only to name it. Phone Number Credit Score is not affiliated with, sponsored by or endorsed by 700Credit. Facts about other companies come from their own public pages on the dates shown; check with them for current terms.