Credit Check & DTI is available only for United States-based businesses and can be activated only for U.S. phone numbers.

iClosed requires business verification before enabling Credit Check & DTI to comply with financial data regulations and credit bureau requirements. The verification flow includes three steps:

You are required to upload one document from both category below:

2a) Company Verification Document:

2b) Business Address Proof:

File requirements:

Once the verification is submitted, you will be able to download your copy of the agreement and, your request will be sent for a manual review.

iClosed team will notify you once verification result it received via email hello@iclosed.io to account owner email address added in your iClosed account and email address stated in the Company Information Form.

Written consent from the lead is mandatory before running any credit check or DTI evaluation, and iClosed provides consent checkbox on the scheduler that every lead must check.

The Credit Check Logs page provides a complete audit trail of every credit check executed in your workspace.

For each check you will see:

This view is ideal for:

Think of this as the system-level and billing-level view of credit enrichment.

The Credit and DTI fields are also available as Global Data columns, making them usable across lists, filters, and Smart Views.

This type of analysis enables:

This is the strategy and optimization view, where patterns and ROI live in table view.

The Contact Card → Credit Check & DTI tab shows all enrichment results for one specific lead.

For each check you'll see data presented both numerically and visually:

This view is ideal for:

This is the decision-making view, optimized for humans, not reports.

A lead can have low debt now, but a bad credit history in the past. Typical causes:

For example → Credit Score: 520 (Very Bad) + DTI: 25% (Healthy)

this means that:

Credit Score is important here as DTI does not capture behavior, while Credit Score does.

A lead can have excellent payment behavior while being heavily leveraged. Typical causes:

For example → Credit Score: 760 (Very Good) + DTI: 48% (High Exposure)

This means that:

DTI matters in this case as Credit Score shows trustworthiness, but DTI shows capacity.

A lead can afford something but still be unreliable, or be reliable but temporarily over-leveraged, which is why Credit Score and DTI together show the full risk picture.

That’s why:

Disqualification of the leads per Credit Score check results will available if the Credit Score check is turned ON in Event - Data Intelligence section, and will be performed after following preconditions are met:

All leads that meet conditions above will be disqualified as per Disqualification criteria set in your event depending of the Credit Score type selected.

Best practices depend on your offer, and the engagement you'd like to have with these leads further. Here're the most common cases:

A numeric credit score, that will fit in predefined credit score range (300 to 850):

Debt-to-income (DTI) measures how much of a person’s monthly income goes toward paying debt. It’s expressed as a percentage and is commonly used in credit and risk evaluation. See how this feature is usually used as disqualification criteria:

If your goal is to disqualify leads based on Credit Score or DTI, then Credit Score is the primary signal, with DTI as a secondary qualifier. Here’s how to think about it clearly and practically:

Credit Score answers “Do they pay?” while DTI answers “Can they afford it?”.

That said, Credit Score is a universal eligibility signal that summarizes payment history, credit behavior, and risk. Most lenders and financial offers use it as the first hard cutoff, as it already reflects many risk factors DTI cannot capture.

DTI is best used to refine decisions after Credit Score passes and prioritize healthier leads. For example, a low DTI with a very bad credit score is still a high risk.

That said, we would advise following Disqualification criteria setup:

Additional scenarios you should take into consideration:

A lead can have low debt now, but a bad credit history in the past. Typical causes:

For example → Credit Score: 520 (Very Bad) + DTI: 25% (Healthy)

this means that:

Credit Score is important here as DTI does not capture behavior, while Credit Score does.

A lead can have excellent payment behavior while being heavily leveraged. Typical causes:

For example → Credit Score: 760 (Very Good) + DTI: 48% (High Exposure)

This means that:

DTI matters in this case as Credit Score shows trustworthiness, but DTI shows capacity.

Conditional routing of the leads per Credit Score check results will available if the Credit Score check is turned ON in Event - Data Intelligence section, and will be performed after following preconditions are met:

All leads that meet conditions above will be routed to specific closers as per Conditional routing criteria set in your event depending of the Credit Score type selected.

Best practices depend on your offer, and the engagement you'd like to have with these leads further. Here're the most common cases:

A numeric credit score, that will fit in predefined credit score range (300 to 850):

Debt-to-income (DTI) measures how much of a person’s monthly income goes toward paying debt. It’s expressed as a percentage and is commonly used in credit and risk evaluation. See how this feature is usually used as disqualification criteria:

When using iClosed Conditional Routing to assign leads to specific closers based on Credit Score and Debt-To-Income (DTI), Credit Score should be treated as the primary routing signal, with DTI used as a secondary affordability qualifier.

This approach ensures that leads are routed based on both credit reliability and capacity, without over-penalizing strong borrowers or overloading senior closers.

Here’s how to think about it clearly and practically:

Credit Score answers “Do they pay?” while DTI answers “Can they afford it?”.

Credit Score is a universal eligibility signal that reflects payment history, credit behavior, and long-term risk. For this reason, it is commonly used as the first routing and eligibility cutoff across lending and financial offers.

DTI should be applied after Credit Score validation, to further prioritize or downgrade leads based on current financial exposure. A low DTI does not offset a very bad Credit Score, but a high DTI can limit routing options even for otherwise strong borrowers.

That said, we would advise following Conditional routing setup:

Additional scenarios you should take into consideration:

A lead can have low debt now, but a bad credit history in the past. Typical causes:

For example → Credit Score: 520 (Very Bad) + DTI: 25% (Healthy)

this means that:

Credit Score is important here as DTI does not capture behavior, while Credit Score does.

A lead can have excellent payment behavior while being heavily leveraged. Typical causes:

For example → Credit Score: 760 (Very Good) + DTI: 48% (High Exposure)

This means that:

DTI matters in this case as Credit Score shows trustworthiness, but DTI shows capacity.

Credit score check wont affect logic of the Multi-Booking feature as the event conditions (Disqualification or Conditional Routing) is prioritized if it's turned on.

However, with the current version Multi-Booking conditional setup doesn't support multi-booking per Credit Score check, which is something we'll add introduce in one of the upcoming releases.

You can see usage of credit score credits in Credit Check Logs. Accessible from:

iClosed will store logs showing each attempt, including credit score, DTI %, result (valid or invalid), credits consumed, and the exact time the validation was triggered (on PST).

In case you run out of wallet credits, email validation as any other Data Intelligence feature will be stopped.

To prevent that from happening, we advise turning on auto-recharge in your wallet in Settings → Billing → Credits, to prevent Data Intelligence features from stopping.

No, that isn't available. Written consent from the lead is mandatory before running any credit check or DTI evaluation, that a lead must select on the scheduler after filling out the form.

In short, even though both email and phone number are mandatory. phone number will bring better accuracy over email address.

As the Credit Score check is available for US leads only, Credit bureaus rely heavily on phone data (especially postpaid mobile numbers). Phone number is considered as strong identity anchors used to match individuals to credit files and reduce false positives and mismatches, as emails tend to be changed more frequently.

With iClosed Credit Score check, phone number and email validation are one of the pre-conditions for Credit Score check, and iClosed will skip the Credit Score check if the email or phone number was returned as invalid or limited (Landline, VOIP, Mobile Prepaid) to prevent spending of the wallet credits.

No, Credit Score check is applicable to US leads only. For all other phone country codes entered, Phone and Email validation will run, but without Credit Score check.