POST /cra/check_report/create

Default value: "application/json"

The number of days of data to request for the report. Default value is 365; maximum is 731; minimum is 180. If a value lower than 180 is provided, a minimum of 180 days of history will be requested.

The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the user_token field. All other customers should use the user_id instead. For more details, see New User APIs.

Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.

Defines configuration options to generate a Base Report

Indicates that the report must include identity information. If identity information is not available, the report will fail.

Specifies options for creating reports that can be shared with GSEs for mortgage verification.

Specifies which types of reports should be made available to GSEs.

Client-generated identifier, which can be used by lenders to track loan applications. This field is deprecated. Use the client_report_id field at the top level of the request instead.

Client-generated identifier, which can be used by lenders to track loan applications.

Specifies a list of products that will be eagerly generated when creating the report (in addition to the Base Report, which is always eagerly generated). These products will be made available before a success webhook is sent. Use this option to minimize response latency for product /get endpoints. Note that specifying cra_partner_insights in this field will trigger a billable event. Other products are not billed until the respective reports are fetched via product-specific /get endpoints.

The minimum number of days of data required for the report to be successfully generated.

The destination URL to which webhooks will be sent

Defines configuration options to generate Network Insights

The version of network insights

Valid values:

• "NI1"

Describes the reason you are generating a Consumer Report for this user. When calling /link/token/create, this field is required when using Plaid Check (CRA) products; invalid if not using Plaid Check (CRA) products.

ACCOUNT_REVIEW_CREDIT: In connection with a consumer credit transaction for the review or collection of an account pursuant to FCRA Section 604(a)(3)(A).

ACCOUNT_REVIEW_NON_CREDIT: For a legitimate business need of the information to review a non-credit account provided primarily for personal, family, or household purposes to determine whether the consumer continues to meet the terms of the account pursuant to FCRA Section 604(a)(3)(F)(2).

EXTENSION_OF_CREDIT: In connection with a credit transaction initiated by and involving the consumer pursuant to FCRA Section 604(a)(3)(A).

LEGITIMATE_BUSINESS_NEED_TENANT_SCREENING: For a legitimate business need in connection with a business transaction initiated by the consumer primarily for personal, family, or household purposes in connection with a property rental assessment pursuant to FCRA Section 604(a)(3)(F)(i).

LEGITIMATE_BUSINESS_NEED_OTHER: For a legitimate business need in connection with a business transaction made primarily for personal, family, or household initiated by the consumer pursuant to FCRA Section 604(a)(3)(F)(i).

WRITTEN_INSTRUCTION_PREQUALIFICATION: In accordance with the written instructions of the consumer pursuant to FCRA Section 604(a)(2), to evaluate an application’s profile to make an offer to the consumer.

WRITTEN_INSTRUCTION_OTHER: In accordance with the written instructions of the consumer pursuant to FCRA Section 604(a)(2), such as when an individual agrees to act as a guarantor or assumes personal liability for a consumer, business, or commercial loan.

ELIGIBILITY_FOR_GOVT_BENEFITS: In connection with an eligibility determination for a government benefit where the entity is required to consider an applicant’s financial status pursuant to FCRA Section 604(a)(3)(D).

Valid values:

• "WRITTEN_INSTRUCTION_PREQUALIFICATION"
• "ACCOUNT_REVIEW_CREDIT"
• "ACCOUNT_REVIEW_NON_CREDIT"
• "ELIGIBILITY_FOR_GOVT_BENEFITS"
• "LEGITIMATE_BUSINESS_NEED_TENANT_SCREENING"
• "EXTENSION_OF_CREDIT"
• "WRITTEN_INSTRUCTION_OTHER"
• "LEGITIMATE_BUSINESS_NEED_OTHER"

Defines configuration options to generate Cashflow Insights

The version of the Check Score. New integrations should use /cra/check_report/lend_score/get and the LendScore instead.

Valid values:

• "v1.0"
• "v2.0"

The version of cashflow attributes

Valid values:

• "CFI1"
• "v1.0"
• "v2.0"

Defines configuration to generate Partner Insights.

The specific Prism Data products to return. If none are passed in, then all products will be returned.

Configurations for FICO products used in the Partner Insights flow.

Client-generated identifier that uniquely identifies the FICO Application ID across FICO systems.

A list of UltraFICO scoring requests. Each request contains all configuration required to generate an UltraFICO score.

The version of the UltraFICO score.

Valid values:

• "1.0"

Details about the base FICO score associated with an UltraFICO scoring request.

The first reason code associated with the score.

Numeric value of the base FICO score.

The version of the base FICO score model.

Valid values:

• "10T"
• "9"
• "8"

The third reason code associated with the score.

The second reason code associated with the score.

The credit bureau that provided the base FICO score.

Valid values:

• "EXPERIAN"
• "EQUIFAX"
• "TRANSUNION"

Whether inquiries adversely affected this score but were not represented in one of the four reason codes. Sometimes referred to as the FACTA Flag.

The fourth reason code associated with the score.

Client-generated identifier that can be used to correlate scoring requests and scoring results.

FICO identifier for a particular scoring request. Should only be provided by UltraFICO as part of the FICO-led Flow.

ID provided by FICO that uniquely identifies the lender. Required for UltraFICO score generation. Sometimes referred to as Lender Org ID.

The versions of Prism products to evaluate

The version of Prism Detect

Valid values:

• "4"
• null

The version of Prism FirstDetect. If not specified, will default to v3.

Valid values:

• "3"
• null

The version of Prism CashScore. If not specified, will default to v3.

Valid values:

• "4"
• "3"
• "3_lite"
• null

The version of Prism Extend

Valid values:

• "4"
• null

The version of Prism Insights. If not specified, will default to v3.

Valid values:

• "4"
• "3"
• null

Defines configuration options to generate the LendScore

The version of the LendScore

Valid values:

• "LS1"
• "v1.0"
• "v2.0"

Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.

A unique user identifier, created by /user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.

Indicates that investment data should be extracted from the linked account(s).