consumer report
Make cash flow insights your superpower
Say “yes” to more qualified applicants and manage risk with Plaid Check’s FCRA-compliant Consumer Report.
Credit reports don’t give you a full picture
Fill in the gaps with real-time, consumer-permissioned reports powered by Plaid Check, a consumer reporting agency.
Get more qualified borrowers
Expand your borrower pool and accurately assess ability-to-pay for tens of millions of applicants with thin or no credit scores.
Make better risk decisions
Spot risk factors and monitor warning signs before they show up in credit reports with data from Plaid’s consumer reporting agency.
Provide ongoing servicing
Get up-to-date consumer reports so that you can better support borrowers, raise credit limits, and stay ahead of repayment challenges.
Get financial details, day or night
Don’t base today’s risk decisions on last month’s financial information. Request up-to-date consumer reports, including up to 24-months of data from over 10,000 U.S. financial institutions on the Plaid Network.
See current, available, and historical balances
Access categorized inflows and outflows
View account ownership information
Get financial details, day or night
Don’t base today’s risk decisions on last month’s financial information. Request up-to-date consumer reports, including up to 24-months of data from over 10,000 U.S. financial institutions on the Plaid Network.
See current, available, and historical balances
Access categorized inflows and outflows
View account ownership information
Be the smartest lender in the room
Decision with confidence. With off-the-shelf insights on an applicant’s credit risk, cash flow data, and financial stability–you’ll never have to second guess another lending decision.
Confirm ability-to-pay with income and pay frequency
Get signals on account consistency
Receive actionable scores from our partner ecosystem
Be the smartest lender in the room
Decision with confidence. With off-the-shelf insights on an applicant’s credit risk, cash flow data, and financial stability–you’ll never have to second guess another lending decision.
Confirm ability-to-pay with income and pay frequency
Get signals on account consistency
Receive actionable scores from our partner ecosystem
Go live in days, not months
Invite applicants to share their bank account information via text or email and then use the Credit Dashboard to move them through the lending journey, whether they’re in person or online. No development required.
Manage your workflow from a single dashboard
Visualize cash flow data and insights
Monitor credit risk and prioritize user privacy
Go live in days, not months
Invite applicants to share their bank account information via text or email and then use the Credit Dashboard to move them through the lending journey, whether they’re in person or online. No development required.
Manage your workflow from a single dashboard
Visualize cash flow data and insights
Monitor credit risk and prioritize user privacy
Powered by plaid check
A new era calls for a new
consumer reporting agency
Connecting lenders to real-time cash flow insights for faster, safer, and easier lending experiences
Plaid Check is the only consumer reporting agency that gives you access to ready-made credit risk insights powered by the industry’s largest consumer-permissioned network.
In-depth insights
Credit scores don’t give the full picture of a person’s creditworthiness. But most lenders don’t have the time, money, or technical resources to turn cash flow data into actionable insights. With Plaid Check, you don’t have to.
Informed decisions
A consumer reporting agency should make it easy for both businesses and consumers to use cash flow data responsibly while staying compliant. That's why we built Plaid Check–to provide you with the accurate and reliable consumer reports you need to make informed decisions with confidence.
Consumer information
You can request to view your Plaid Check Consumer Report by filling out this this form. If there are any inaccuracies, please submit a dispute using the same form.
