> ## Documentation Index
> Fetch the complete documentation index at: https://help.leaf360.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Dashboard

> Soft pull credit monitoring in Leaf360 Mortgage CRM: who can see it, what the screen shows, how a borrower is enrolled, and how report credits are bought.

Credit Dashboard is where you keep an eye on a borrower's credit over time. Its subtitle says what it's for: **Monitor credit scores, invite clients, and simulate scenarios.**

Open it from the **Credit** tile above the sidebar menu. The browser tab reads **Credit Dashboard**.

<Warning>
  Everything on this screen is a borrower's credit data on a regulated financial file. Treat it the same way you'd treat a paper credit report. Only pull, view, and share it for a permissible purpose, and follow your company's own credit policy before you invite anyone.
</Warning>

## Whether you have it at all

Credit Dashboard is switched on per company, and Leaf360 is rolling it out gradually rather than all at once.

* Where your company has it, the **Credit** tile in the sidebar is a live link and its tooltip reads **Stop paying retail for soft-pull credit reports**.
* Where your company doesn't, the tile is grayed out, doesn't respond to a click, and its tooltip reads **Credit isn't enabled for your company yet**.

Trying to open the page directly doesn't get around it. Without the feature, the page itself answers with **Credit Dashboard isn't enabled yet** and tells you to contact your Leaf360 representative for access.

The same switch also controls the **Borrower Portal** row in Settings, since the borrower portal is where clients land for credit.

<Note>
  There's no individual permission on top of the company switch. Where your company has Credit Dashboard, anyone who can reach the workspace can open it and see the enrolled clients and their scores. Manage that through who you give workspace access to.
</Note>

## What the screen shows

Three buttons sit in the header:

| Button              | What it opens                             |
| ------------------- | ----------------------------------------- |
| **Borrower Portal** | The borrower portal invitation window     |
| **Buy Credits**     | The report purchase window                |
| **Order Credit**    | The borrower monitoring invitation window |

Below them are two tabs, **Credit Monitoring** and **Score History**.

### Credit Monitoring

Four figures across the top:

| Card                  | What it counts                                                      |
| --------------------- | ------------------------------------------------------------------- |
| **Available Credits** | Report credits left, with **{n} used of {n}** underneath            |
| **Enrolled Clients**  | **Total monitoring clients**                                        |
| **This Month**        | Enrollments this month, compared against last month as a percentage |
| **Pending Invites**   | **Awaiting enrollment**                                             |

Below them is **Credit Monitoring Clients**, the table of everyone enrolled, with the total beside the heading. It has its own search box, **Search by name...**, and its own **Rows** selector.

The columns are **Client Name**, **Type**, **Credit Type**, **Status**, **Enrolled**, **Last Updated** and **Actions**. Client Name, Credit Type, Enrolled and Last Updated are sortable; click a heading twice to reverse the order.

Click a row, or the eye icon in **Actions**, to open that client on the **Score History** tab. The bottom of the table reads **Showing X to Y of Z**, or **No results** when there's nothing to show. An empty table reads **No enrolled clients yet.**, or **No clients match your search.** when a search is narrowing it.

### Score History

Score History shows one client at a time. Until you pick one it reads **Select a client from the Enrolled Clients tab to view their score history.**

With a client selected, the top of the tab names them and shows their credit type and the date they enrolled. A bureau selector on the right offers **Experian**, **TransUnion** and **Equifax**.

Below that:

* **Bureau Scores**, every bureau on the latest report side by side, with the date it was pulled. For a single-bureau client this is one figure; for a tri-merge, this is where the other two scores show up, because everything below is per bureau.
* The current score against the 300 to 850 range.
* **Score History**, the run of past scores for the selected bureau, newest first. Each entry shows the score, the date it was taken, its product code, and a small label showing the change from the entry before it. An empty run reads **No score history available for this bureau yet.**

Changing the bureau selector changes what the history below shows, not what the Bureau Scores card shows.

## Enrolling a borrower

**Order Credit** opens a window titled **Invite Borrower for Credit Monitoring**, with the line **Send an invitation to start monitoring a borrower's credit score**. It runs in three steps, shown as a strip at the top:

<Steps>
  <Step title="Monitoring Type">
    Pick what you're ordering.
  </Step>

  <Step title="Borrower Details">
    Either search your existing records with **Search by name, email or phone...** and pick the person, or type a first name, last name, email and phone by hand.
  </Step>

  <Step title="Review">
    Read the order back, then send.
  </Step>
</Steps>

You can click back to an earlier step from the strip. When the invitation goes out, the window confirms with **Invitation Sent!** and lets you know the borrower will get an email with enrollment instructions.

The borrower does the rest. Nothing appears under Score History until they complete enrollment on their end, which is what **Pending Invites** on the dashboard is counting.

## Buying report credits

**Buy Credits** opens one of two windows, depending on whether your company already has a monthly plan running.

* With no plan, it opens **Buy Credit Reports**. It shows your current balance as **Single reports available**, **Tri-merge reports available** and **Reports used**, then the **Solo** and **Team** monthly plans side by side, then a one-time bundle picker reading **Choose a report bundle...**. Bundles are volume priced, and the largest option points at custom pricing rather than a fixed price.
* With a plan already active, it opens **Add reports**, which shows your balance and the bundle picker without the plans, and tells you when the plan next refreshes.

Checkout is handled by the payment provider and returns you to this screen. Leaf360 then verifies the purchase and confirms with the number of credits added to your balance. Where it can't verify the purchase, it says so and asks you to contact support rather than quietly leaving your balance short.

<Warning>
  Buying reports is a real charge on your company's payment method, and a monthly plan is a recurring one. Read the bundle line, which spells out the number of reports and the one-time price, before you go through to checkout.
</Warning>

### Who can spend a purchase

Every purchase is reserved for whoever bought it. Administrators can widen it afterward from **Manage who can use purchased reports**, a panel you can expand at the bottom of the same window. It lists each purchase with **{n} of {n} reports left**, who bought it and when, and a selector:

| Setting             | Who can spend it                                  |
| ------------------- | ------------------------------------------------- |
| **Everyone**        | Anyone in the company                             |
| **Me Only**         | The buyer alone                                   |
| **Specific people** | The people you check off, each with their own cap |

Choosing **Specific people** asks how many reports each person may use, and won't save if the caps add up to more than the purchase holds — it'll tell you so in the message. A successful change confirms with **Allocation updated**.

Non-administrators don't see this panel at all. Where there's nothing to manage yet, it reads **No scoped purchases yet. New purchases are reserved for the buyer and will show up here.**

## Inviting a borrower to the portal

**Borrower Portal** opens **Invite to Borrower Portal**, which takes a first name, last name, email and phone. Once sent, the window offers the invitation link with a copy button, confirming with **Invite link copied to clipboard**, and a **Done** button to close it.

## Common problems

<AccordionGroup>
  <Accordion title="The Credit tile is greyed out">
    Credit Dashboard isn't enabled for your company. The tooltip says so. Contact your Leaf360 representative — there's nothing you can switch on yourself.
  </Accordion>

  <Accordion title="A borrower I invited has no scores">
    They're still a pending invite until they complete enrollment from the email. The **Pending Invites** figure on the dashboard counts them.
  </Accordion>

  <Accordion title="Score History is empty but the client has a score">
    The history below is per bureau. Switch the bureau selector, and check the **Bureau Scores** card at the top, which shows every bureau on the latest report at once.
  </Accordion>

  <Accordion title="Available Credits is lower than I expected">
    Reports are spent as they're pulled, and every purchase starts reserved for whoever bought it. An administrator can open **Buy Credits** and expand **Manage who can use purchased reports** to see how each purchase is allocated.
  </Accordion>

  <Accordion title="I paid but my balance did not move">
    Leaf360 verifies the purchase when you land back on this screen. If it tells you it couldn't verify, contact support with the purchase details rather than buying again.
  </Accordion>

  <Accordion title="A Credit filter appeared on my leads list">
    That's the same feature. Where a company has Credit Dashboard, [Sales Pipeline](/mortgage-crm/sales-leads) gains a **Credit** filter for leads whose credit position moved.
  </Accordion>
</AccordionGroup>

## Related

* [Loans](/mortgage-crm/loans)
* [Sales Pipeline](/mortgage-crm/sales-leads)
* [The three workspaces](/get-started/the-three-workspaces)
* [Leaf360 Mortgage CRM](/mortgage-crm/overview)