CONSUMER REPORT BY PLAID CHECK
Lend smarter with risk scores and insights
Make more informed credit decisions with insights that you won’t find in bureau reports.
Deepen your understanding of risk with a 360° view of a borrower’s finances
Qualify more applicants
Accurately assess ability to pay for applicants with strong credit history or none at all.
Stay one step ahead of risk
Spot risk factors and good behavior before they show up in credit reports.
Help borrowers thrive
Know when to raise credit limits or tackle repayment challenges with real-time data.
PLAID INCOME
Verify income faster with bank account data and insights
Speed up debt-to-income calculations and better predict applicants’ ability to pay with detailed income insights.
See a breakdown of earnings from salaries, gig work, and more
Gauge income stability using historical and projected income, as well as next paycheck dates
Get key account attributes like balance averages and primary account indicators
PLAID INCOME
Verify income faster with bank account data and insights
Speed up debt-to-income calculations and better predict applicants’ ability to pay with detailed income insights.
See a breakdown of earnings from salaries, gig work, and more
Gauge income stability using historical and projected income, as well as next paycheck dates
Get key account attributes like balance averages and primary account indicators
PLAID UNDERWRITING
Strengthen credit decisions with one-of-a-kind insights
Predict risk with greater precision and say “yes” to more qualified applicants with our suite of ready-to-use insights.
Get a detailed view of a borrower’s financial stability through cash flow patterns and categorized income streams
Access differentiated risk signals based on an applicant’s account connection activity across the Plaid Network
Gain deeper context into financial stability with LendScore—a new risk score built on cash flow and account connection insights
PLAID UNDERWRITING
Strengthen credit decisions with one-of-a-kind insights
Predict risk with greater precision and say “yes” to more qualified applicants with our suite of ready-to-use insights.
Get a detailed view of a borrower’s financial stability through cash flow patterns and categorized income streams
Access differentiated risk signals based on an applicant’s account connection activity across the Plaid Network
Gain deeper context into financial stability with LendScore—a new risk score built on cash flow and account connection insights
Up to 80% conversion for account linking in lending flows, beating industry averages
Lift in predictive performance with Plaid LendScore
Unlock real-time cash flow data in as little as 10 seconds
See how your borrowers’ finances change over time
Stay up to date on borrower finances to get ahead of credit line increase opportunities, charge-offs, and more.
Get regular updates on changes to inflows and outflows like new loan payments or NSF fees
Track notable account balance changes like large deposits or drops below $100
See how your borrowers’ finances change over time
Stay up to date on borrower finances to get ahead of credit line increase opportunities, charge-offs, and more.
Get regular updates on changes to inflows and outflows like new loan payments or NSF fees
Track notable account balance changes like large deposits or drops below $100
A consumer reporting agency built to support your FCRA needs
Meet Plaid Check
FAQs
Have a question we didn’t answer? Talk with our sales team today.
Is Plaid a consumer reporting agency?
Consumer Report is powered by Plaid Check, a consumer reporting agency. Plaid Check is a subsidiary of Plaid Inc.
Plaid Check is built to support all of your FCRA-related needs, from capturing permissible purposes to ensuring data accuracy. So you can use cash flow data responsibly while staying compliant.
How does Consumer Report differ from other data solutions?
With connectivity to 12,000+ financial institutions, Plaid offers direct access to user-permissioned bank account data along with actionable insights. Lenders also benefit from Plaid's unmatched conversion and unique, network-driven insights designed to assess credit risk and financial stability beyond traditional scores.
How can lenders integrate cash flow data into their lending workflows?
It’s easy to integrate cash flow data and insights via our secure API and no-code dashboard. Learn more.
