Buyer IQ Overview
Last updated: April 30, 2026
Understanding your leads' financial capacity is critical for efficient pipeline management. Buyer IQ unlocks the ability to optimize your pipeline by providing instant financial qualification data before appointments are booked, saving your team valuable time and effort.
This guide explains what Buyer IQ is, prerequisites for implementation, configuration requirements, key specifications, and insights to help you maximize this powerful feature.
What is Buyer IQ?
Buyer IQ is a financial qualification tool integrated into Charlie's Performance tab that provides clear, actionable information about your leads' financial status through real-time credit assessment.
How It Works
Buyer IQ performs a "soft pull" credit check that:
Provides accurate, real-time assessment of credit profile
Has no impact on the lead's credit score (soft inquiry, not hard inquiry)
Runs instantly with no lag time
Delivers comprehensive financial qualification report
When It Runs: Buyer IQ executes right before Charlie books a calendar appointment, adding an extra layer of qualification to filter leads and eliminate wasted effort from your team.
If a lead already has a Buyer IQ report run within the past 90 days, the system will not run a new report—it uses the existing data, saving costs and reducing redundancy.
Prerequisites
You need to have a credit card on file 📄 Billing page: Overview (As default it will detect the card you have registered in your account)
Set minimum Thresholds → at least one required (Credit Score, Available Credit and/or Income)
Explicit consent and Fair Credit Reporting Act (FCRA) disclaimer must be provided to leads.
Have pre-paid credits balance & auto recharge feature
This functionality is just supported for US based leads.
Location:
To setup:
Within your AI setters, an account owner or admin role
To review performance:
In the Performance section you'll find a "BuyerIQ" tab
These are the available data that you'll find in the report:
Aggregate Metrics:
Number of BuyerIQ Reports: Total reports run
Average Credit Score: Mean credit score across all pulled reports
Average Available Credit: Mean available credit across all leads
Average Income: Mean income across all assessed leads
Filtering Capabilities: Analyze data by:
Date Range: Specific timeframes
Setter: Compare performance across different Setters
Credit Score Ranges: Segment by credit quality
Available Credit Ranges: Analyze by financial capacity
Income Ranges: Group by income levels
FAQ
Is this legal?
It is, we use an integration to Simplecheck which adheres to the FCRA, which mandates the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. We obtain explicit, written consent from consumers before conducting any soft pulls, detailing the use of their information in a transparent manner. This ensures that all parties understand the purpose of the data collection,
Who sees the report when a Lead opts in?
Only you and your team with access to Charlie, as we get information via API, all data will be hosted in the performance page as a report. The prospects will never see the result.
Is this included in the platform?
This is an add-on, therefore requires prepaid credits to work. We currently have a pricing structure where charges are based on the number of soft credit pulls performed through the platform. Payments will be processed every 160 pulls or every 2 weeks, whichever occurs first. Please contact your AM to solve any questions.
What do I need to do to use it?
Set it up in your CRM & your Charlie account, and make sure you're accomplishing the following responsibilities:
Provide clear FCRA disclosure to leads (you can add the template we provided above and the script we suggest in the configuration.)
Obtain explicit consent before running reports
Use data only for stated purposes (qualification)
Protect data according to privacy regulations
When does data become outdated?
After 90 days, reports are considered outdated and a new pull is required for current assessment.
Can I change thresholds after enabling Buyer IQ?
Yes. You can edit thresholds at any time in your Setter's Buyer IQ integration settings. Changes apply immediately to future reports.
How quickly do reports return?
Buyer IQ reports run instantly with no lag time. The report is available immediately after the soft pull completes, typically within seconds.
Key insights
Buyer IQ's pre-appointment financial qualification ensures only financially viable leads reach your calendar, potentially eliminating 30-50% of appointments that would never close due to financial constraints.
The legal requirement for explicit consent and FCRA disclosure is a mandatory requirement. Properly implementing consent capture protects you from potential legal and financial consequences.
The Setter-specific configuration has a strategic flexibility reason behind. It enables you to optimize qualification rigor based on context, and define different thresholds, depending on the use case, dramatically improving both lead quality and conversion rates.