CONSUMER REPORT BY PLAID CHECK
Lend smarter with cash flow insights
Make more informed credit decisions with insights that you won’t find in bureau reports.
Credit reports don’t give the full picture. Fill in the gaps with Consumer Report.
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.
Access cash flow data
in seconds
In just a few taps, applicants can share up to 24 months of cash flow data. That means higher conversion and no manual uploads required.
Go beyond bureau data with differentiated signals from rent payments, BNPL services, and more
View current, available, average, and historical balances
Review account ownership and categorized transaction data from the primary bank account
Access cash flow data
in seconds
In just a few taps, applicants can share up to 24 months of cash flow data. That means higher conversion and no manual uploads required.
Go beyond bureau data with differentiated signals from rent payments, BNPL services, and more
View current, available, average, and historical balances
Review account ownership and categorized transaction data from the primary bank account
Get a more complete
financial picture
Manage risk and say “yes” to qualified applicants faster with off-the-shelf insights.
Streamline asset and income verification with direct access to bank account and cash flow data
Predict ability to pay with insights on income stability, expense patterns, and balance trends
Sharpen your risk analysis with cash flow scores and attributes from our partner ecosystem
Get a more complete
financial picture
Manage risk and say “yes” to qualified applicants faster with off-the-shelf insights.
Streamline asset and income verification with direct access to bank account and cash flow data
Predict ability to pay with insights on income stability, expense patterns, and balance trends
Sharpen your risk analysis with cash flow scores and attributes from our partner ecosystem
88% of lenders are more confident in alternative data than 1 year ago
Get set up in days, not months
with a no-code dashboardUnlock 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.
