plaid

Retrieve various home lending reports for a user

Changed on

This endpoint allows you to retrieve home lending reports for a user. To obtain a VoA or Employment Refresh report, you need to make sure that cra_base_report is included in the products parameter when calling /link/token/create or /cra/check_report/create.

You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create.

If the most recent consumer report for the user doesn't have sufficient data to generate the report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create.

post/cra/check_report/verification/get

Request

  • Base URL
    https://production.plaid.com
  • URL
    https://production.plaid.com/cra/check_report/verification/get
  • Auth
    • API key in header PLAID-CLIENT-ID and API key in header PLAID-SECRET and API key in header Plaid-Version
    • or OAuth 2
      Client credentials
      Token URL: https://api.plaid.com/oauth2/apiv2/token scopes: cra:read

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.

reports_requestedCraCheckReportVerificationGetReportType[] required

Specifies which types of home lending reports are expected in the response

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.

Response

OK

request_idstring required

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_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

    • warning

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

  • e07a869352e8Revision changes
    • breaking

      the response property /////////// became nullable for the status

    • info

      the endpoint scheme security clientId AND secret AND plaidVersion was added to the API

    • info

      the endpoint scheme security oauth2 was added to the API

    • info

      removed the charge card enum value from the ////// response property for the response status

    • info

      removed the charge card enum value from the ////// response property for the response status

    • info

      removed the charge card enum value from the ////// response property for the response status

    • info

      removed the fund fee enum value from the ///////// response property for the response status

    • info

      removed the installment enum value from the ////// response property for the response status

    • info

      removed the installment enum value from the ////// response property for the response status

    • info

      removed the installment enum value from the ////// response property for the response status

    • info

      removed the loan payment enum value from the ///////// response property for the response status

    • info

      removed the rebalance enum value from the ///////// response property for the response status