Phone Number Credit Score vs. CRS Credit API
Search with just a phone number, no SSN. Published prices, no inspection, and live keys today instead of days of vetting.
Side by side
How the two compare.
| Feature | Phone Number Credit Score | CRS |
|---|---|---|
| API access | $49 a month, or $149 a year | Pricing by quote3 |
| Setup fee | $0 | Pricing by quote3 |
| Per TransUnion FICO® Score 4 | $7.50 per match (+$2 for every account and payment) | Pricing by quote3 |
| No match | Free | Not stated on their site |
| What you need to search | A phone number (name, address, date of birth or SSN optional) | First and last name, full 9-digit SSN and current address2 |
| Inspection or credentialing | None | 24 documented requirements, including a virtual business inspection1 |
| Time to get started | Today: sign up online, keys right away | Vetting in “5 days or less”1 |
| API | REST API with JSON answers, OAuth apps and Zapier (beta) | API, SFTP batch or MISMO feed2 |
| 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 testing data products4 |
- CRS compliance (opens in a new tab), read Oct 25, 2026.
- CRS soft pull credit API (opens in a new tab), read Oct 25, 2026.
- CRS tenant screening (opens in a new tab), read Oct 25, 2026.
- How CRS works (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 CRS?
No. We’re a separate company, and this page compares the two using CRS’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 · 700Credit · MicroBilt · ComplyTraq
CRS Credit API 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 CRS Credit API. Facts about other companies come from their own public pages on the dates shown; check with them for current terms.