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### Qualify more applicants

Accurately assess ability to pay for applicants with strong credit history or none at all.

### Stay one step ahead of risk

Spot risk factors and good behavior before they show up in credit reports.

### Help borrowers thrive

Know when to raise credit limits or tackle repayment challenges with real-time data.

## PLAID UNDERWRITING

### Strengthen credit decisions with one-of-a-kind insights

Predict risk with greater precision and say “yes” to more qualified applicants with our suite of ready-to-use insights.

- Get a detailed view of a borrower’s financial stability through cash flow patterns and categorized income streams.
- Access differentiated risk signals based on an applicant’s account connection activity across the Plaid Network.
- Gain deeper context into financial stability with [LendScore](https://plaid.com/check/lendscore/)—a new risk score built on cash flow and account connection insights.

## See how your borrowers’ finances change over time

Stay up to date on borrower finances to get ahead of credit line increase opportunities, charge-offs, and more.

- Get regular updates on changes to inflows and outflows like new loan payments or NSF fees.
- Track notable account balance changes like large deposits or drops below $100.

## A consumer reporting agency built to support your FCRA needs

[Meet Plaid Check](https://plaid.com/check/consumer-service-center/)

### FAQs

Have a question we didn’t answer? [Talk with our sales team](https://plaid.com/check/underwriting/#contact-form) today.

### Is Plaid a consumer reporting agency?

Consumer Report is powered by Plaid Check, a consumer reporting agency. Plaid Check is a subsidiary of Plaid Inc.

Plaid Check is built to support all of your FCRA-related needs, from capturing permissible purposes to ensuring data accuracy. So you can use cash flow data responsibly while staying compliant.

### How does Consumer Report differ from other data solutions?

With connectivity to 12,000+ financial institutions, Plaid offers direct access to user-permissioned bank account data along with actionable insights. Lenders also benefit from Plaid's unmatched conversion and unique, network-driven insights designed to assess credit risk and financial stability beyond traditional scores.

### How can lenders integrate cash flow data into their lending workflows?

It’s easy to integrate cash flow data and insights via our secure API and no-code dashboard. [Learn more](https://plaid.com/docs/underwriting/).

### Strengthen your decisioning with real-time cash flow insights

### Get started with Consumer Report