plaid lendscore
A portfolio of credit risk scores built for how you lend
Expand approvals, reduce losses, and make more confident decisions with risk insights tailored for major lending segments.
Match the model to your market
Credit risk isn't one-size-fits-all. The LendScore suite gives you a model built on how each market actually behaves.
Ls2: Our core model, delivering 42% more predictive power than traditional credit data alone.
Auto, Short Term, and Home Lending: Models trained on risk patterns for each segment, so can optimize for your portfolio.
LendScore Arc: A transformer-based credit risk model that learns directly from transaction sequences, offering even deeper reads on credit risk.
Match the model to your market
Credit risk isn't one-size-fits-all. The LendScore suite gives you a model built on how each market actually behaves.
Ls2: Our core model, delivering 42% more predictive power than traditional credit data alone.
Auto, Short Term, and Home Lending: Models trained on risk patterns for each segment, so can optimize for your portfolio.
LendScore Arc: A transformer-based credit risk model that learns directly from transaction sequences, offering even deeper reads on credit risk.
How LendScore performs, compared to traditional credit data alone
42%
More predictive lift
over the full credit spectrum
39%
Lower delinquency
at the same approval rate
6.3%
More approvals
at the same level of risk
63%
More approvals
at the same level of risk
What sets LendScore apart
LendScore factors in signals only Plaid can see—like the apps borrowers are connected to—to show you behavior changes in real time.
Get insights faster. Access returning borrower scores in under two seconds. New borrowers complete a quick, secure onboarding to share cash flow insights.
Get a granular view of applicants. With a 1,000–2,000 score range, you can see risk in finer detail.
Approve more borrowers without adding risk. Cash flow data helps you see thin or no-file borrowers traditional credit data can miss.
Built for today’s income. Flags signals like non-traditional earnings for a clearer read on borrower ability to repay.
What sets LendScore apart
LendScore factors in signals only Plaid can see—like the apps borrowers are connected to—to show you behavior changes in real time.
Get insights faster. Access returning borrower scores in under two seconds. New borrowers complete a quick, secure onboarding to share cash flow insights.
Get a granular view of applicants. With a 1,000–2,000 score range, you can see risk in finer detail.
Approve more borrowers without adding risk. Cash flow data helps you see thin or no-file borrowers traditional credit data can miss.
Built for today’s income. Flags signals like non-traditional earnings for a clearer read on borrower ability to repay.
Bobby George
Risk Engineer, WhimA consumer reporting agency built to support your FCRA needs
Your questions, answered
Reach out if we didn’t answer yours.
What is Plaid LendScore?
Plaid LendScore is a family of credit risk scores that uses consumer-permissioned financial data and Plaid’s proprietary network insights to help lenders assess a borrower’s likelihood of repayment. It analyzes financial and transaction behavior to identify risk signals that traditional credit data alone may not capture. The family includes a core model, specialized scores optimized for Auto, Short-Term, and Home Lending, and LendScore Arc, which uses a transformer-based model architecture. Every LendScore model is delivered through Plaid’s Consumer Reporting Agency (CRA), with consumers retaining applicable rights under the Fair Credit Reporting Act (FCRA).
How is LendScore different from traditional credit scores?
Traditional credit scores primarily reflect a borrower’s history with credit. LendScore combines consumer-permissioned cash flow data with Plaid’s proprietary network insights to understand how a borrower earns, spends, saves, manages financial obligations, and interacts across the Plaid Network. This gives lenders an additional view of credit risk based on current financial behavior and broader patterns of financial activity.
Which LendScore is right for my lending use case?
LendScore’s upgraded core model is designed to perform broadly across consumer lending use cases, while specialized scores are optimized for the unique risk dynamics of their respective markets. LendScore Arc uses a transformer-based model architecture and is designed for lenders seeking additional predictive lift and comfortable with greater model complexity. Plaid works with lenders to choose the model that best fits their performance goals and governance requirements.
How can lenders use LendScore in credit decisioning?
Lenders can incorporate LendScore into their existing credit policies to help inform approvals, pricing, credit limits, and other lending decisions. Each model delivers a ready-made credit risk score with standardized reason codes, giving lenders a consistent, explainable signal that can be used alongside traditional credit data and other underwriting criteria.
How does LendScore support explainability, governance, and fair lending?
LendScore is designed with the explainability and controls lenders need to understand, validate, and monitor model performance. Each score includes standardized reason codes to help explain the factors influencing a credit risk assessment, and Plaid evaluates LendScore for fairness throughout model development and testing. Plaid also works with lenders to support their model governance and fair lending requirements.
