--- title: "Changes to Refresh or create a Consumer Report" method: POST path: "/cra/check_report/create" --- # Changes to Refresh or create a Consumer Report `POST /cra/check_report/create` > Every recorded change to this operation, newest first. ## Timeline Changed in 31 of 55 revisions. - **2026-10-15** `ea443cd78f6f`: 2 warning - **2026-08-17** `e536704a333f`: 1 info - **2026-07-22** `94406d9a4d27`: 11 breaking, 11 info - **2026-07-22** `a1bbca018160`: 13 warning - **2026-06-25** `80d23bfdc2e5`: 1 warning, 1 info - **2026-06-10** `fb8c3f188d8b`: 1 warning, 6 info - **2026-04-17** `b9a2871636de`: 3 info - **2026-04-02** `7f9a02ad0ce3`: 2 warning, 5 info - **2026-03-04** `ac31f04fdb58`: 1 info - **2026-02-18** `9019356335ec`: 1 info - **2026-01-26** `8addecd0b74a`: 1 info - **2025-12-11** `465584b48c99`: 1 breaking, 1 warning, 2 info - **2025-11-19** `4abee1c56929`: 2 info - **2025-11-12** `f8b9f1a85767`: 3 breaking - **2025-10-22** `af4b6e71d87f`: 4 info - **2025-10-02** `83dc2757b74e`: 1 breaking, 2 warning, 2 info - **2025-09-02** `af95b7b9aa93`: 4 info - **2025-08-13** `7fc793bb9e85`: 1 info - **2025-07-17** `737070a771b9`: 1 info - **2025-07-16** `bb819dcb75b3`: 1 breaking, 1 warning, 2 info - **2025-06-12** `b0b8ac37e34d`: 2 info - **2025-06-03** `b7200537f765`: 5 info - **2025-05-21** `5eae3158bbfc`: 1 info - **2025-03-26** `09cbc8444913`: 1 breaking, 4 info - **2025-01-31** `0bfab7b15662`: 4 info - **2024-11-14** `b0263533029b`: 1 info - **2024-10-09** `36052f62cce1`: 1 warning - **2024-09-04** `a2c34406c317`: 1 breaking - **2024-07-05** `1e30969bd889`: 2 info - **2024-06-18** `be701ec93161`: 1 info - **2024-02-21** `5de70cc1e6ca`: 1 breaking ## Changes - **2026-10-15** `ea443cd78f6f`: 2 warning - added the new `CRA_PARTNER_INSIGHTS_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `CRA_REPORT_ERROR` enum value to the `error_type` response property for the response status `default` - **2026-08-17** `e536704a333f`: 1 info - added the new `cra_home_lending` enum value to the request property `products/items/` - **2026-07-22** `94406d9a4d27`: 11 breaking, 11 info - removed the enum value `3.00` of the request property `partner_insights/prism_versions/cashscore` - removed the enum value `3.00` of the request property `partner_insights/prism_versions/firstdetect` - removed the enum value `3.00` of the request property `partner_insights/prism_versions/insights` - removed the enum value `4.00` of the request property `partner_insights/prism_versions/cashscore` - removed the enum value `4.00` of the request property `partner_insights/prism_versions/detect` - removed the enum value `4.00` of the request property `partner_insights/prism_versions/extend` - removed the enum value `4.00` of the request property `partner_insights/prism_versions/insights` - removed the enum value `4.10` of the request property `partner_insights/prism_versions/cashscore` - removed the enum value `4.10` of the request property `partner_insights/prism_versions/detect` - removed the enum value `4.10` of the request property `partner_insights/prism_versions/extend` - removed the enum value `4.10` of the request property `partner_insights/prism_versions/insights` - added the new `3` enum value to the request property `partner_insights/prism_versions/cashscore` - added the new `3` enum value to the request property `partner_insights/prism_versions/firstdetect` - added the new `3` enum value to the request property `partner_insights/prism_versions/insights` - added the new `4` enum value to the request property `partner_insights/prism_versions/cashscore` - added the new `4` enum value to the request property `partner_insights/prism_versions/detect` - added the new `4` enum value to the request property `partner_insights/prism_versions/extend` - added the new `4` enum value to the request property `partner_insights/prism_versions/insights` - added the new `4.1` enum value to the request property `partner_insights/prism_versions/cashscore` - added the new `4.1` enum value to the request property `partner_insights/prism_versions/detect` - added the new `4.1` enum value to the request property `partner_insights/prism_versions/extend` - added the new `4.1` enum value to the request property `partner_insights/prism_versions/insights` - **2026-07-22** `a1bbca018160`: 13 warning - added the new `ASSETS_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `CRA_MONITORING_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `CREDIT_PROFILE_REPORT_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `ENCOMPASS_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `ENRICH_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `FRAUD_INSIGHTS_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `FREDDIE_MAC_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `LINK_DELIVERY_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `PROFILE_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `RECURRING_TRANSACTIONS_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `STATEMENTS_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `TRANSFER_RECURRING_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `TRANSFER_REFUND_ERROR` enum value to the `error_type` response property for the response status `default` - **2026-06-25** `80d23bfdc2e5`: 1 warning, 1 info - added the new `IDEMPOTENCY_ERROR` enum value to the `error_type` response property for the response status `default` - added the new `cra_qualify` enum value to the request property `products/items/` - **2026-06-10** `fb8c3f188d8b`: 1 warning, 6 info - added the new `BASE_REPORT_ERROR` enum value to the `error_type` response property for the response status `default` - added the new optional request property `partner_insights/fico/ultrafico_score_requests/items/base_fico_score/reason_codes` - request property `partner_insights/fico/ultrafico_score_requests/items/base_fico_score/reason_code_1` deprecated - request property `partner_insights/fico/ultrafico_score_requests/items/base_fico_score/reason_code_2` deprecated - request property `partner_insights/fico/ultrafico_score_requests/items/base_fico_score/reason_code_3` deprecated - request property `partner_insights/fico/ultrafico_score_requests/items/base_fico_score/reason_code_4` deprecated - added the new `INCOME` enum value to the request property `base_report/home_lending_report_options/reports_requested/items/` - **2026-04-17** `b9a2871636de`: 3 info - added the new optional request property `base_report/home_lending_report_options` - added the new optional request property `income_insights` - added the new `10` enum value to the request property `partner_insights/fico/ultrafico_score_requests/items/base_fico_score/base_fico_score_version` - **2026-04-02** `7f9a02ad0ce3`: 2 warning, 5 info - removed the request property `cashflow_insights/plaid_check_score_version` - removed the request property `partner_insights/prism_products` - added the new `4.10` enum value to the request property `partner_insights/prism_versions/cashscore` - added the new `4.10` enum value to the request property `partner_insights/prism_versions/detect` - added the new `4.10` enum value to the request property `partner_insights/prism_versions/extend` - added the new `4.10` enum value to the request property `partner_insights/prism_versions/insights` - added the new `protect_transactions` enum value to the request property `products/items/` - **2026-03-04** `ac31f04fdb58`: 1 info - added the new optional request property `partner_insights/fico` - **2026-02-18** `9019356335ec`: 1 info - added the new `ELIGIBILITY_FOR_GOVT_BENEFITS` enum value to the request property `consumer_report_permissible_purpose` - **2026-01-26** `8addecd0b74a`: 1 info - added the new `cra_plaid_credit_score` enum value to the request property `products/items/` - **2025-12-11** `465584b48c99`: 1 breaking, 1 warning, 2 info - the `user_id` request property type changed from no type to `string` - removed `#/components/schemas/NewUserID, subschema #2` from the `user_id` request property `allOf` list - added the optional property `provided_account_subtypes` to the response with the `default` status - added the optional property `required_account_subtypes` to the response with the `default` status - **2025-11-19** `4abee1c56929`: 2 info - the request property `user_token` became optional - removed the `IDENTITY_ERROR` enum value from the `error_type` response property for the response status `default` - **2025-11-12** `f8b9f1a85767`: 3 breaking - removed the enum value `EMPLOYMENT` of the request property `consumer_report_permissible_purpose` - removed the enum value `cra_plaid_credit_score` of the request property `products/items/` - the `webhook` request property format changed from no format to `url` - **2025-10-22** `af4b6e71d87f`: 4 info - added the new optional request property `network_insights` - request property `cashflow_insights/plaid_check_score_version` deprecated - added the new `CFI1` enum value to the request property `cashflow_insights/attributes_version` - added the new `LS1` enum value to the request property `lend_score/lend_score_version` - **2025-10-02** `83dc2757b74e`: 1 breaking, 2 warning, 2 info - added `subschema #2` to the `user_id` request property `allOf` list - removed `subschema #2, subschema #3` from the `user_id` request property `allOf` list - removed the request property `plaid_credit_score` - added the new optional request property `lend_score` - added the new `cra_lend_score` enum value to the request property `products/items/` - **2025-09-02** `af95b7b9aa93`: 4 info - added the new optional request property `include_investments` - added the new optional request property `plaid_credit_score` - added the new optional request property `user_id` - added the new `cra_plaid_credit_score` enum value to the request property `products/items/` - **2025-08-13** `7fc793bb9e85`: 1 info - added the new `cra_monitoring` enum value to the request property `products/items/` - **2025-07-17** `737070a771b9`: 1 info - added the new `v2.0` enum value to the request property `cashflow_insights/attributes_version` - **2025-07-16** `bb819dcb75b3`: 1 breaking, 1 warning, 2 info - removed the enum value `VOE` of the request property `base_report/gse_options/report_types/items/` - the `days_required` request property's max was set to `184.00` - added the new optional request property `base_report/require_identity` - added the new `EMPLOYMENT_REFRESH` enum value to the request property `base_report/gse_options/report_types/items/` - **2025-06-12** `b0b8ac37e34d`: 2 info - added the new `4.00` enum value to the request property `partner_insights/prism_versions/cashscore` - added the new `4.00` enum value to the request property `partner_insights/prism_versions/insights` - **2025-06-03** `b7200537f765`: 5 info - added the new optional request property `base_report/gse_options` - added the new optional request property `partner_insights/prism_versions/detect` - added the new optional request property `partner_insights/prism_versions/extend` - request property `partner_insights/prism_products` deprecated - request property `partner_insights/prism_products/items/` deprecated - **2025-05-21** `5eae3158bbfc`: 1 info - added the new `protect_linked_bank` enum value to the request property `products/items/` - **2025-03-26** `09cbc8444913`: 1 breaking, 4 info - request property `cashflow_insights/plaid_check_score_version` was restricted to a list of enum values - added the new optional request property `client_report_id` - request property `base_report/client_report_id` deprecated - added the new `v1.0` enum value to the request property `cashflow_insights/plaid_check_score_version` - added the new `v2.0` enum value to the request property `cashflow_insights/plaid_check_score_version` - **2025-01-31** `0bfab7b15662`: 4 info - added the new optional request property `base_report` - added the new optional request property `cashflow_insights` - added the new optional request property `partner_insights` - added the new optional request property `products` - **2024-11-14** `b0263533029b`: 1 info - added the new optional request property `days_required` - **2024-10-09** `36052f62cce1`: 1 warning - removed the request property `products` - **2024-09-04** `a2c34406c317`: 1 breaking - the request property `days_requested` became required - **2024-07-05** `1e30969bd889`: 2 info - added the new optional request property `products` - the request property `days_requested` became optional - **2024-06-18** `be701ec93161`: 1 info - endpoint added - **2024-02-21** `5de70cc1e6ca`: 1 breaking - api path removed without deprecation --- [Operation](https://skmtc.dev/plaid/apis/the-plaid-api/docs/cra/check_report/create/post.md) - [API](https://skmtc.dev/plaid/apis/the-plaid-api.md) - [Page](https://skmtc.dev/plaid/apis/the-plaid-api/changes/cra/check_report/create/post)