plaid

Refresh or create a Consumer Report

Changed on

Use /cra/check_report/create to refresh data in an existing report. A Consumer Report will last for 24 hours before expiring; you should call any /get endpoints on the report before it expires. If a report expires, you can call /cra/check_report/create again to re-generate it and refresh the data in the report. The report is generated from all Items associated with the user, excluding duplicate Items and Items that cannot supply data.

Each call to /cra/check_report/create creates a new, independent report. /get endpoints will retrieve the most recently created report for the requested user.

post/cra/check_report/create

Request

  • Base URL
    https://production.plaid.com
  • URL
    https://production.plaid.com/cra/check_report/create
  • Auth
    API key in header PLAID-CLIENT-ID and API key in header PLAID-SECRET and API key in header Plaid-Version

Request body

client_idstring

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.

secretstring

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.

user_idstring

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.

user_tokenstring

The user token associated with the user for which data is being requested. 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.

webhookstring url required

The destination URL to which webhooks will be sent

days_requestedinteger required

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

days_requiredinteger

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

client_report_idstring nullable

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

productsProducts[] nullable

Specifies a list of products to generate when creating the report (in addition to the Base Report, which is always generated except for requests for only cra_network_insights or for FICO-only Partner Insights). These products will be made available before a success webhook is sent. Note that specifying cra_partner_insights in this field will trigger a billable event. Other products are not billed until the respective reports are retrieved via their product-specific /get endpoints.

include_investmentsboolean nullable

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

consumer_report_permissible_purpose'ACCOUNT_REVIEW_CREDIT' | 'ACCOUNT_REVIEW_NON_CREDIT' | 'EXTENSION_OF_CREDIT' | 'LEGITIMATE_BUSINESS_NEED_TENANT_SCREENING' | 'LEGITIMATE_BUSINESS_NEED_OTHER' | 'WRITTEN_INSTRUCTION_PREQUALIFICATION' | 'WRITTEN_INSTRUCTION_OTHER' | 'ELIGIBILITY_FOR_GOVT_BENEFITS' required

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).

Response

OK

request_idstring

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

Changes

  • ea443cd78f6fRevision changes
    • warning

      added the new CRA_PARTNER_INSIGHTS_ERROR enum value to the response property for the response status

    • warning

      added the new CRA_REPORT_ERROR enum value to the response property for the response status

  • e536704a333fRevision changes
    • info

      added the new cra_home_lending enum value to the request property /