How does Swappa verify devices are paid off?

I’ve encountered sellers who, when asked in the comments section, are dodgy when it comes to saying whether or not the carrier-locked phone they are selling is paid off. This is especially true of newly-released models like the iPhone 15 series.
Makes me worry sellers are listing financed phones on Swappa and that I may encounter problems getting it unlocked in the future or even worse, that the phone will be blacklisted / blocklisted.
How does Swappa verify devices are free and clear?

https://swappa.com/faq/answer/listing-device-criteria
Outstanding Financial Obligation Devices must be fully paid off – devices on equipment installation plans (EIP) or standard contracts cannot be listed until they are paid off.
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