Beta · Every trigger instant
Credit lookups in every Zap.
Look up a phone number the moment a lead comes in, then send their name, address and FICO® Score 4 to your CRM, spreadsheet or team chat. Thousands of apps, no code.
- 11 instant triggers
- 3 actions
- 3 searches
- No polling
Set up
Your first Zap in five minutes.
You need an API account. Sign up if you don’t have one; test mode is free.
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Join the beta
Open the beta invite while signed in to Zapier and accept it. Phone Number Credit Score then shows up when you add a step.
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Connect your account
In a Zap, pick our app and choose Sign in. On our page, choose the API account, Test or Live, a monthly spending limit for Zapier, whether someone approves each paid lookup, and how long it stays connected.
Leave Add funds off unless a Zap will top up your balance.
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Pick a trigger
Start from the app your leads come from, like a form or CRM. Or start from one of ours, like New Lookup or Balance Low, which fire the instant it happens.
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Add Look Up Phone Number
Map the phone number, pick the permissible purpose, and add a reference like the lead’s ID. Add their name or address if you have them: it finds people the number alone can’t.
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Use the answer
Map Full Name, Credit Score, Full Address and anything else into the next steps. Add a Filter on Found or Credit Score to route people.
Triggers
Eleven triggers. All instant.
Each one fires the moment it happens, by webhook. No polling, no waiting for the next check, on any Zapier plan.
New Lookup
A lookup finds someone, from any app, key or Zap on your account. Comes with the name, address, score and credit profile. Filter to complete, thin or frozen files.
lookup.completed
Lookup Found No One
A lookup finds no one, or the address you sent didn’t match. Never charged. Ask the person for more details.
lookup.no_match
Tradelines Unlocked
Tradelines are added to a past lookup: every account, payment history, inquiry and public record.
tradelines.unlocked
Approval Needed
A connected app asks for a paid lookup or top-up that a person has to approve. Send the link to your team chat.
approval.requested
Balance Low
Your prepaid balance drops under your refill point and wasn’t refilled.
balance.low
Funds Added
Money is added to your balance, by you, auto-refill or a connected app.
balance.refilled
Auto-Refill Declined
Auto-refill couldn’t charge your card, so lookups may stop when the balance runs out.
balance.refill_failed
Spending Alert
This month’s spending passes one of your alert levels, like 80% of your limit.
usage.threshold
API Key Changed
An API key is created, rolled or revoked. Never includes the key itself.
key.changed
App Connected
Someone connects an app or AI assistant to your account.
app.connected
App Disconnected
A connected app is disconnected, or cancelled for safety.
app.disconnected
Actions & searches
Do the lookup. Or find the one you already have.
Look Up Phone Number
Finds the person behind a U.S. number: name, address, phone details, credit score and credit profile. Search with their name, address, date of birth or SSN too.
$7.50 when foundUnlock Tradelines
Adds every account, payment history, inquiry and public record to a lookup you already ran. Once per lookup.
$2 onceAdd Funds
Charges a card on file and tops up your balance, within the add-funds limit you set when connecting.
The amount you addFind Lookup
A lookup you already ran, by phone number, your reference or its ID, in full. Pair it with Look Up as “Find or Run Lookup” so you never pay twice for the same person.
FreeGet Balance
Your balance, how many lookups it covers, auto-refill and the cards on file.
FreeGet Usage
This month’s lookups, no matches, tradelines and spending against your limit.
FreeFind or Run Lookup
Uses the newest lookup you already have for the number (free) and runs a new one only when there isn’t one. Set Only From the Last to 30 days to keep scores fresh.
Beta
Zaps teams build first.
Pre-qualify leads the moment they apply, route them by score, chase the ones we couldn’t find, and keep your balance topped up without thinking about it.
Join the beta- New form entryLook up the numberAdd to your CRM with their score
- New lead in your CRMFind or run a lookupRoute to the right rep
- Lookup found no oneText a short formAsk for their name and address
- New lookup with a score under 620Tag the leadSend the second-chance offer
- Balance lowAdd fundsPost the receipt in team chat
- Approval neededSend the link to team chatApprove from your phone
Fields
Everything you can map.
Look Up, Find Lookup, New Lookup and Tradelines Unlocked all give the same fields, flattened so you can pick them straight from the menu.
Result
found- True when someone was found. False on a no match, if the step keeps going.
status- complete, thin_file, frozen, no_match or address_mismatch
id- The lookup’s ID, for Unlock Tradelines and Find Lookup
reference- Your own ID, sent back
cost- What it took from your balance
created- When it ran
Person
name- Full name
first_name- First name
last_name- Last name
email- Email on file, when there is one
address- One line, ready for a CRM
street- Street
street2- Apartment or unit
city- City
state- State
zip- ZIP code
Phone
line_type- mobile, landline or voip
carrier- The carrier
caller_id_name- Caller ID name
fraud_score- 0 (low risk) to 100
Score
score- The score, 300 to 850
score_band- The band, like Good or Very good
score_model- fico4 or vantage4
score_factors- The key factors behind it, in plain words
factors- The same, as line items with their codes
Credit profile
accounts- Accounts on file
open_accounts- Open accounts
total_balance- Total debt
monthly_payments- Scheduled monthly payments
past_due- Past due now
available_credit- Unused credit
credit_usage_percent- Card usage, as a percent
on_time_payments_percent- Months paid on time, as a percent
oldest_account_years- Length of credit history
inquiries_count- Recent inquiries
collections- Collections
debt_to_income- Debt-to-income
credit_card_balance- Also auto_loan_, mortgage_, student_loan_, medical_ and collections_balance
Tradelines
tradelines- Line items: creditor, type, status, balance, limit, monthly payment, payment status
inquiries- Line items: company and date
public_records- Line items: type, filed, resolved, amount
tradelines_included- True once they’re unlocked
Tradelines, inquiries and public records come as line items, only once tradelines are unlocked ($2). A step that finds no one gives found false, status, phone_last4, reference and message.
Testing
Practice for free.
Connect in Test mode and every lookup answers with sample people, never charged. These numbers act out each outcome, so you can build the Filter and Paths steps before going live.
- Testing a trigger in the Zap editor pulls your most recent lookups, so run one first.
- Test and live are separate. A test connection only hears about test lookups, and a live one about live lookups.
- Going live: reconnect in Live mode and switch the Zap to that connection.
| Number | What happens |
|---|---|
(614) 555-0178 | This one, and any number not listed below, finds a sample person. |
(555) 555-0404 | No one found (404 no_match), even with a name. Free. |
(555) 555-0405 | No one found by the number alone (404 no_match); send first_name and last_name too and someone is found. |
(555) 555-0409 | The address you sent doesn’t match (404 address_mismatch). Free. |
(555) 555-0422 | Found, but too little credit history for a score (status thin_file). |
(555) 555-0423 | The person has frozen their credit file (status frozen). Counts as a lookup. |
(555) 555-0402 | Your balance doesn’t cover it (402 insufficient_balance). |
(555) 555-0429 | Too many requests (429 rate_limited). |
(555) 555-0503 | A temporary problem on our side (503 service_unavailable). |
Safety
Automation with guardrails.
You choose its access
Zapier connects with OAuth on our page, never with a key you paste. Pick test or live, its monthly spending limit, whether each paid lookup needs a person’s approval, and when it expires.
No paying twice
A retried or replayed step gets its first answer back. No match is never charged. Find or Run Lookup reuses lookups you already have.
Every call logged
Each lookup shows in your logs and My reports with Zapier’s name, its purpose and cost. You get an email when it connects, and can disconnect it any time.
A permissible purpose, every time. Each lookup states why you’re allowed to see the person’s credit under the FCRA, like their consent on your form. Don’t automate lookups on people who never asked. Compliance guide.
Zapier questions
Is every trigger really instant?
Yes. All eleven triggers use webhooks: the moment something happens on your account, we send it to Zapier. There’s no polling, so it doesn’t matter which Zapier plan you’re on or how often it checks.
What does it cost?
The same as the API, from the same prepaid balance: $7.50 for a lookup that finds someone, $2 more for tradelines, and nothing when no one is found. Searches and triggers are free. Zapier counts each step as a task on your Zapier plan.
Can a Zap pay twice for the same person?
Not by accident. A retry or replay of the same step, with the same details within 24 hours, gets the first answer back and isn’t charged again. To reuse older lookups, use Find or Run Lookup: it checks for a lookup you already have before running a new one.
Do I still need a permissible purpose?
Yes, on every lookup. Pick it in the step: the person’s consent, a credit application or a rental application. Only run a lookup for people who asked for something, like a form with a credit check checkbox, and keep a record of their permission. Never for cold lead lists. More on compliance.
Can I try it without paying?
Yes. When you connect, choose Test. Test connections answer with sample people, never charge, and the sandbox numbers below act out every outcome. Connect again in Live mode when your Zap is ready.
Who can connect it?
Anyone on an API account who’s allowed to connect apps: the owner, and team members whose role includes it. You need an active API plan. The connection can never do more than the person who made it.
How do I keep spending in check?
When you connect, set a monthly spending limit for Zapier alone, and choose whether a person approves each paid lookup. With approvals on, the step stops with an approval link; approve it, then replay the run from your Zap history. Your account’s own spending limit and alerts apply too.
What data reaches Zapier?
What you ask for. Our webhook events carry only IDs and summaries; the trigger then fetches the lookup over your own connection. Lookup results do pass through Zapier and into the apps you send them to, and Zapier keeps them in your Zap history. Treat that history like the credit data it is: limit who can see it, and only send fields you need.
How do I disconnect it?
In your account, go to API → Apps & AI and disconnect Zapier. Its access stops at once and its triggers are removed. You can also remove the connection in Zapier.
Why is it a beta?
New Zapier integrations start as invite-only. Everything works today; joining the beta adds it to your Zapier account. We’ll list it in Zapier’s app directory once it’s through Zapier’s review.
Building something we don’t cover? The same things work through the API, and webhooks can go to your own server. Or email [email protected].
Put credit lookups on autopilot.
Join the beta, connect in test mode, and build your first Zap free. $7.50 per lookup that finds someone when you go live.