Credit data without the inspection.
Getting credentialed for credit data often starts with an inspection from a vendor like ComplyTraq. With us there is no inspection: sign up and run FICO® Score 4 lookups today.
Side by side
Two ways to get started.
| Feature | Phone Number Credit Score | ComplyTraq |
|---|---|---|
| What it is | A credit data API and website: name, address and FICO® Score 4 from a phone number | Compliance services: onsite and virtual inspections approved by the credit bureaus1 |
| Setup fee | $0 | Pricing by quote3 |
| Inspection or credentialing | None | Onsite, or virtual over video with at least four photos of the interior and exterior1 |
| MCP server for AI agents | Yes: Claude, ChatGPT, Cursor and other agents, with spending limits | Not mentioned on their site |
| Credit data | FICO® Score 4 or VantageScore® 4.0, credit profile and tradelines | None: it inspects businesses that then buy credit data elsewhere2 |
- ComplyTraq products and services (opens in a new tab), read Oct 25, 2026.
- About ComplyTraq (opens in a new tab), read Oct 25, 2026.
- ComplyTraq on microbilt.com (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
Is ComplyTraq a credit data provider?
No. By its own description, ComplyTraq provides compliance services, including onsite and virtual inspections approved by the credit bureaus. Businesses use inspections like these to get credentialed to buy credit data elsewhere.
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.
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 · 700Credit · MicroBilt · CRS Credit API
ComplyTraq 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 ComplyTraq. Facts about other companies come from their own public pages on the dates shown; check with them for current terms.