The Rules, as Published

Registry version 2026.09.1 · Rule set: defaults, september 2026

A check is a distinct condition the engine evaluates on every row that can put a specific reason on the record. File-level validation (encoding, column mapping, malformed cells, duplicates) is separate and is not counted here. How leads that clear these checks are scored and ranked is proprietary and not published.

Blocking Conditions 14

Facts that keep the row off the call list, with the reason recorded.

ID	Check	Fires When	Reads	Effect
B01	Rep feedback says leave it	A rep has marked the lead sold, pending, dead, do-not-contact, bad number, not interested, bad data, a duplicate, or already purchased.	(saved rep feedback)	Held out of the call list. Closed Out
B02	No permitted contact channel	No phone or email is on file, or every channel the customer has is restricted (do not call, do not text, do not email).	Cell Phone, Home Phone, Email, Do Not Call, Do Not Text, Do Not Email	Cannot be worked, so it leaves the call list. Skip - Suppressed
B03	Vehicle cannot be identified	The current model or model year is missing.	Current Vehicle Model, Current Vehicle Year	Needs the vehicle confirmed before it can be scored. Verification Required
B04	Core deal math is missing	There is no trade equity, or no rate and payment pair to compare.	Trade Equity, Current APR, New APR, Current Payment, New Payment	Needs the numbers confirmed before it can be scored. Verification Required
B05	EV or Stinger hold	The current or proposed vehicle is on the hard-hold model list (EV6, EV9, Stinger).	Current Vehicle Model, New Model	Held on purpose. Hold
B06	Business account	The customer name contains a business-entity token such as LLC, Inc, Corp, Holdings.	Customer Name	Held; belongs outside this surface. Hold
B07	Rate inversion with nothing else to lead with	The proposed rate is higher than the current rate, and neither equity nor payment gives a story.	Current APR, New APR, Trade Equity, Current Payment, New Payment	Nothing honest to say to the customer. Skip - Suppressed
B08	Severe negative equity	Trade equity is below negative $5,000.	Trade Equity	Not a workable trade. Skip - Suppressed
B09	150,000 mile hard stop	Current mileage is 150,000 or more.	Current Mileage	Not a workable trade. Skip - Suppressed
B10	Near payoff with a higher payment	Three or fewer payments remain and the proposed payment is higher.	Current Term, Months Of Ownership, Current Payment, New Payment	Asking someone nearly paid off to pay more. Skip - Suppressed
B11	Paid off with no equity story	The customer is effectively paid off, the payment drop is fiction, and there is no equity to anchor on.	Current Term, Months Of Ownership, Current Payment, New Payment, Trade Equity	The payment change is not real. Skip - Suppressed
B12	Bad same-model lateral	A same-model trade-in (2024+ into 2026+) that only works by restarting debt.	Current Vehicle Model, New Model, Current Vehicle Year, New Vehicle Year, Current Term, Months Of Ownership	Restarts debt for no benefit. Skip - Suppressed
B13	Customer is not ready	The CRM status says Not Ready, Ready Soon, Contact This Month, Credit Pending or In Service.	Sales Status, Sub Status	Revisit on the next run. Hold
B14	Closed or declined disposition	The CRM status shows the lead is lost, dead, not interested, sold elsewhere, deceased, bankrupt or similar.	Sales Status, Sub Status	Already closed out. Hold

Data-Integrity Checks 10

Where the export contradicts itself or states something impossible. Any one routes the row to Verification required.

ID	Check	Fires When	Reads	Effect
D01	Lease deal	The current deal type says lease.	Current Deal Type	No payment or rate quote is valid without residual and money factor. Verification Required
D02	Payment math needs verification	Current or proposed payment is missing, so the payment change cannot be computed.	Current Payment, New Payment	Verification Required
D03	Payment decrease likely fabricated	A large payment drop on a customer who is paid off or on a no-contract term.	Current Term, Months Of Ownership, Current Payment, New Payment	The payment is flagged for verification and the lead normally goes to Verification Required. Another check, such as a paid-off owner with no equity, can place the lead in a different tier. Verification Required
D04	Lease mileage exceeded	A lease whose mileage status says exceeded.	Current Deal Type, Lease Mileage Status	Verification Required
D05	Impossible mileage	Current mileage is above 300,000.	Current Mileage	Verification Required
D06	Impossible current payment	Current payment is above $3,000.	Current Payment	Verification Required
D07	Negative current payment	Current payment is below zero.	Current Payment	Verification Required
D08	Negative proposed payment	Proposed payment is below zero.	New Payment	Verification Required
D09	Vendor payment difference contradicts the payments	The export's own difference column disagrees with the two payments by more than a dollar.	Payment Difference, Current Payment, New Payment	Scored from the payments. Verification Required
D10	APR scale or range needs confirmation	A bare APR has ambiguous units, or a normalized APR is negative or exceeds the configured plausibility ceiling. Confirm the source or settings before rate scoring.	Current APR, New APR	Rate scoring is blocked until someone confirms the scale or the source value. Verification Required

Advisory Flags 12

Conditions that change how the call should open without removing the lead.

ID	Check	Fires When	Reads	Effect
A01	Verify vehicle history before promising value	Mileage is 85,000 or more, or the vehicle is 7 or more model years old.	Current Mileage, Current Vehicle Year	Caps the lead at Work next until history is checked.
A02	No rate story	The proposed rate is higher than the current rate, so lead on equity or payment.	Current APR, New APR	Shown on the row
A03	Moderate negative equity	Trade equity is below zero but not below negative $5,000.	Trade Equity	Shown on the row and counts against the lead's ranking.
A04	Rate improvement too thin	The rate drops, but by less than 0.25 points.	Current APR, New APR	Shown on the row and counts against the lead's ranking.
A05	Payment change too thin	The payment drops, but by less than $25 a month.	Current Payment, New Payment	Shown on the row and counts against the lead's ranking.
A06	Contract stage unknown	Term or months owned is missing, so timing cannot be read.	Current Term, Months Of Ownership	Shown on the row and counts against the lead's ranking.
A07	No BPS in the export	The export has no BPS value, so the lead is scored without the prediction signal.	BPS	Shown on the row
A08	Model year is in the future	The current vehicle's model year is more than a year ahead.	Current Vehicle Year	Shown on the row
A09	Same-model lateral	A same-model trade-in (2024+ into 2026+) where the redesign story needs checking.	Current Vehicle Model, New Model, Current Vehicle Year, New Vehicle Year	Shown on the row and counts against the lead's ranking.
A10	Term extension	The new term is longer than the payments remaining.	Current Term, Months Of Ownership, New Term	Shown on the row. The lead ranks behind clean leads but never moves down a tier.
A11	Kia warranty framing does not apply	A non-Kia trade with an expired warranty and 80,000 to 99,999 miles.	Current Make, Warranty Status, Current Mileage	Shown on the row
A12	Powertrain coverage needs checking	A Kia trade with an expired basic warranty and 80,000 to 99,999 miles.	Current Make, Warranty Status, Current Mileage	Shown on the row

Contract-Context Warnings 9

What the existing contract actually allows.

ID	Check	Fires When	Reads	Effect
C01	Term appears matured	Months owned is at or past the contract term.	Current Term, Months Of Ownership	Shown on the row
C02	Cash deal	The deal type says cash and there is no equity story.	Current Deal Type	Shown on the row
C03	Lease	The deal type says lease.	Current Deal Type	Shown on the row
C04	Payment near zero	Current payment is $50 or less and there is no equity story.	Current Payment	Shown on the row
C05	Customer pays $0 but has real equity	Paid off, with $2,000 or more of equity.	Current Term, Months Of Ownership, Trade Equity	Shown on the row
C06	New term runs past the payments left	The new term is longer than the payments remaining.	Current Term, Months Of Ownership, New Term	Shown on the row. The lead ranks behind clean leads but never moves down a tier.
C07	Weak debt-reset lateral	A same-model lateral that only works by restarting debt.	Current Vehicle Model, New Model	Shown on the row
C08	Slight payment increase	The payment goes up by $75 or less and the term does not extend.	Current Payment, New Payment	Shown on the row and places the lead in the Later Priority band.
C09	Savings depend on a longer term	The payment drops by $40 or more only because the term is extended.	Current Payment, New Payment, New Term	Shown on the row. Places the lead in the Later Priority band of its tier, behind clean leads; never moves it down a tier.

Every row above is tested against the live engine: each one has a fixture record that must produce exactly that reason, and a clean record must trigger none of them. What each tier means is on the overview; a store can tune the standards for its own market in Scoring Settings.