Plaid Check Consumer HELP Center
Securely share financial data to qualify for loans, housing & more
Your finances tell a story that a traditional credit score can’t. Plaid Check makes it easy to share income and cash flow data, which could help you qualify for better offers.
Get supportShare quickly and safely
No more pay stubs or manual uploads. Share your financial data in as little as 10 seconds.
Let money speak for itself
Steady income, stable balances, and strong financial habits paint a fuller picture.
Stay in control
You decide who gets access to your financial data and when to revoke it.
Wait, what’s Plaid Check?
Plaid Check is a consumer reporting agency. Our Consumer Report paints a picture of your finances and does not impact your traditional credit score. Instead, our report works alongside it.
If your income and cash flow are strong, sharing that data with lenders and property managers via Plaid Check could increase your chances of being approved.
Wait, what’s Plaid Check?
Plaid Check is a consumer reporting agency. Our Consumer Report paints a picture of your finances and does not impact your traditional credit score. Instead, our report works alongside it.
If your income and cash flow are strong, sharing that data with lenders and property managers via Plaid Check could increase your chances of being approved.
How can we help?
Whether you want to take a look at your report, freeze your account, take extra precautions against fraud, or revoke access, we’re here to support. Have additional questions? Reach out to our team.
Request a copy of my Plaid Check report
Fill out the form to get a free copy of your file.
Dispute information in my file
Let us know if something looks off in your file or if you need to report fraud. Or, if you're a survivor of human trafficking, you can block related information about you from being reported.
Dispute something in my file
Report fraud or identity theft
See support options for human trafficking victims
Manage a security freeze
Place a free security freeze on your file to help prevent it from being shared without your permission. You can lift the freeze at anytime.
Freeze my account
Unfreeze my account
Forgot my pin
Manage a fraud alert
Place a free fraud alert. Fraud alerts notify businesses that receive your report to verify your identity before extending credit or opening a new account in your name.
Place a fraud alert on my account
Remove a fraud alert from my account
Opt out of prescreened loan offers
Under the Fair Credit Reporting Act, creditors may use information from your consumer file to send you firm offers of credit—sometimes called "prescreened" offers. Fill out this form to opt out of prescreened offers based on Plaid Check reports.
Revoke access to my data
Complete this form to revoke a third-party business (like a lender) or app's access to a bank account connected via Plaid Check.
12K
financial institutions in the broader Plaid Network
1 in 2
U.S. adults with a bank account already use Plaid
Your questions, answered
What’s a consumer reporting agency?
A consumer reporting agency (CRA) gathers and evaluates information to provide consumer reports to lenders, property managers, and other financial service providers. Plaid Check is a CRA that shares people’s bank data (with their permission) to build fuller, more accurate consumer reports based on their real-time financial information.
What’s the difference between a Plaid Check report and a traditional credit score?
A traditional credit score is based mainly on nationwide credit bureau data—things like how much of your available credit you're using and how long you've had credit for. A Plaid Check report is a consumer report based on your connected bank account activity, including income, cash flow, and account history. Together, a traditional credit score and Plaid Check report can offer a more complete and current picture of your finances.
Why was I denied a loan?
Plaid Check provides consumer reports to third parties for their use in a credit decision. We do not make credit decisions and aren’t able to advise you on why you were, or were not, approved for a product you applied for. To get this information you’ll need to reach out to the company you applied to directly.
What’s the difference between Plaid and Plaid Check?
Plaid Inc. helps people securely connect their financial accounts to apps. Plaid Check (a separate, subsidiary company) is a consumer reporting agency and is responsible for the consumer rights described on this page. If you’re having trouble connecting to Plaid, get support here. Or, if you’d like to revoke access for Plaid, fill out this form.
What’s a consumer report?
A consumer report is information about you, such as your credit use, income, or employment, that's used by lenders and other service providers to help decide your eligibility for things like credit, insurance, or housing. Your report can only be provided for purposes permitted by law.