No credentialing · No office inspection
Credit Score API, Live Today.
Send a U.S. phone number, get back the person’s name, current address and FICO® Score 4 as clean JSON. $7.50 per match, and no match is free.
- Free test keys
- MCP server included
- No setup fee
One request
A phone number in. A credit profile out.
Any language that can make an HTTPS request. Add a name, address or date of birth when you have them, and include=tradelines for every account on the file.
- FICO® Score 4 from TransUnion, with its key factors
- Name and current address from the phone number alone
- Phone details: line type, carrier and a fraud score
- Credit profile: debt, credit usage, on-time payments, collections
curl https://api.phonenumbercreditscore.com/v1/lookups \ -H "Authorization: Bearer pncs_test_…" \ -d phone="614-555-0178" \ -d purpose="consent"
const res = await fetch('https://api.phonenumbercreditscore.com/v1/lookups', { method: 'POST', headers: { Authorization: `Bearer ${process.env.PNCS_KEY}`, 'Content-Type': 'application/json' }, body: JSON.stringify({ phone: '614-555-0178', purpose: 'consent' }), }); const person = await res.json();
import os, requests res = requests.post( "https://api.phonenumbercreditscore.com/v1/lookups", headers={"Authorization": f"Bearer {os.environ['PNCS_KEY']}"}, json={"phone": "614-555-0178", "purpose": "consent"}, ) person = res.json()
The JSON
Clean fields, not a report file.
Every answer has the same shape, documented field by field. Sample people only on this page.
200 Response
{
"id": "0199e3a4-7b2c-7f1e-9d4a-5c8e2b1f6a03",
"phone": "+16145550178",
"name": "Daniel Okafor",
"phone_details": {
"line_type": "mobile",
"carrier": "T-Mobile USA",
"fraud_score": 8
},
"address": {
"street": "88 N High St Unit 1207",
"city": "Columbus", "state": "OH", "zip": "43215"
},
"score": {
"model": "fico4", "bureau": "transunion", "value": 721,
"factors": ["Balances on revolving accounts are a bit high", "…"]
},
"profile": {
"total_debt": 56720,
"credit_usage": 0.22,
"on_time_payments": 0.994,
"collections": 0
}
}
Skip the red tape
Live today, not next quarter.
No credentialing
No bureau membership application, references or waiting period.
No office inspection
Work from anywhere. Nobody visits to check your filing cabinets.
Free sandbox
Test keys return sample people for any number, never charged.
MCP server
Let Claude, ChatGPT and your own agents run lookups, within a spending limit. How
Pricing
Pay for matches, not searches.
- $7.50 per lookup that finds a match
- Free when there’s no match
- +$2 for every account and payment on the file
- Free test keys and sandbox numbers
- $0 setup, no lookup minimums
- Volume rates from 1,000 live lookups a month
Comparing providers? See how we compare.
Questions
How fast can I start?
Today. Sign up, confirm why you pull credit, and your test and live keys are ready right away. Most teams send their first live lookup within the hour.
Do I need bureau credentialing or an office inspection?
No. We hold the bureau relationship, so there’s no membership application, no site visit and no security audit before your first lookup.
What does it 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. Every account and payment on the file (tradelines) is $2 more. No setup fee and no lookup minimums.
Is there a free sandbox?
Yes. Test keys (pncs_test_) return sample people for any number and are never charged, and special test numbers act out every outcome: no match, a frozen file, errors.
Which score do I get?
FICO® Score 4 from TransUnion by default, with its key factors. VantageScore® 4.0 is available at the same price.
Can AI agents use it?
Yes. Our MCP server connects Claude, ChatGPT, Cursor and other agents with OAuth, a spending limit and test mode. How to add it.
Pull credit only with a permissible purpose under the Fair Credit Reporting Act, such as the person’s written consent. The rules
Ready?
Your keys are a few minutes away.
Test keys free. Live keys today. $7.50 per match.