POST /cra/report/get

Default value: "application/json"

The requested products and their versions, e.g. [{"product":"cra_qualify","version":"V1"}].

The version of the product that was generated.

A list of products that an institution can support. All Items must be initialized with at least one product. The Balance product is always available and does not need to be specified during initialization.

Valid values:

• "cra_network_insights"
• "investments_auth"
• "recurring_transactions"
• "pay_by_bank"
• "protect_transactions"
• "balance_plus"
• "income"
• "protect_linked_bank"
• "identity_match"
• "auth"
• "transfer"
• "liabilities"
• "employment"
• "processor_payments"
• "beacon"
• "cra_cashflow_insights"
• "cra_qualify"
• "credit_details"
• "cra_plaid_credit_score"
• "payment_initiation"
• "investments"
• "income_verification"
• "cra_partner_insights"
• "identity_verification"
• "profile"
• "identity"
• "cra_base_report"
• "transactions"
• "cra_lend_score"
• "cra_income_insights"
• "standing_orders"
• "balance"
• "cra_monitoring"
• "transactions_refresh"
• "statements"
• "processor_identity"
• "assets"
• "signal"
• "layer"

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.

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"

Determines whose items are used. PLAID_NETWORK (default) uses the Plaid Network view of the user's profile. CLIENT_USER uses only the items linked by this client.

Valid values:

• "CLIENT_USER"
• "PLAID_NETWORK"

The stage in the lending lifecycle for which the report is being retrieved.

Valid values:

• "DECISIONING"
• "PREQUALIFICATION"
• "SERVICING"

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.