POST /cra/check_report/lend_score/get

This endpoint allows you to retrieve the LendScore report for your user. 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 insights, 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.

If you did not initialize Link with the cra_lend_score product or call /cra/check_report/create with the cra_lend_score product, Plaid will generate the insights when you call this endpoint. In this case, you may optionally provide parameters under options to configure which insights you want to receive.

Servers

https://production.plaid.com
https://sandbox.plaid.com

Request headers

Name	Type	Required	Description
`Content-Type`	String	Yes	The media type of the request body. Default value: "application/json"

Request body fields

Name	Type	Required	Description
`user_token`	String	No	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.
`client_id`	String	No	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.
`options`	Object	No	Defines configuration options to generate the LendScore
`options.lend_score_version`	String	No	The version of the LendScore Valid values: `"LS1"` `"v1.0"` `"v2.0"`
`third_party_user_token`	String	No	The third-party user token associated with the requested User data.
`secret`	String	No	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_id`	String	No	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.

How to start integrating

Add HTTP Task to your workflow definition.
Search for the API you want to integrate with and click on the name.
- This loads the API reference documentation and prepares the Http request settings.
Click Test request to test run your request to the API and see the API's response.