Sample - Plaid API
POST/cra/check_report/lend_score/get

Get a LendScore report

Retrieves the LendScore report for a user's banking data. Call this endpoint after receiving a CHECK_REPORT_READY or USER_CHECK_REPORT_READY webhook, and identify the user with user_id, third_party_user_token, or an existing user_token. If the consumer report lacks sufficient data or has expired, create a new report before retrying.

  • RetriesRetries up to 2×, 500ms backoff, 30s timeout.

6 body fields

Request credentials, user identification, and optional LendScore configuration.

client_idstringoptional
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.
secretstringoptional
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_idstringoptional
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](https://plaid.com/docs/api/users/user-apis).
third_party_user_tokenstringoptional
The third-party user token associated with the requested User data.
user_tokenstringoptional
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](https://plaid.com/docs/api/users/user-apis).
optionsobjectdeprecatedoptional
Deprecated. This field is no longer accepted for new clients (created on or after 2026-07-01). New clients should specify required products when creating the Consumer Report. Existing integrations may continue to pass `options`.

2 status codes
200Returns the LendScore report with its report identifier, generation time, and LendScore data, together with the request identifier and any data-retrieval warnings.
reportobjectrequired
Contains data for the CRA LendScore Report.
request_idstringrequired
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
warningsarray<CraReportWarning>optional
If the LendScore generation was successful but a subset of data could not be retrieved, this array will contain information about the errors causing information to be missing
defaultError response
error_typestringrequired
A broad categorization of the error. Safe for programmatic use.
Allowed:INVALID_REQUESTINVALID_RESULTINVALID_INPUTINSTITUTION_ERRORRATE_LIMIT_EXCEEDEDAPI_ERRORITEM_ERRORASSET_REPORT_ERRORBASE_REPORT_ERRORRECAPTCHA_ERROROAUTH_ERRORPAYMENT_ERROR
error_codestringrequired
The particular error code. Safe for programmatic use.
error_code_reasonstringoptional
The specific reason for the error code. Currently, reasons are only supported for OAuth-based item errors; `null` will be returned otherwise. Safe for programmatic use. Possible values: `OAUTH_INVALID_TOKEN`: The user's OAuth connection to this institution has been invalidated. `OAUTH_CONSENT_EXPIRED`: The user's access consent for this OAuth connection to this institution has expired. `OAUTH_USER_REVOKED`: The user's OAuth connection to this institution is invalid because the user revoked their connection.
error_messagestringrequired
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagestringrequired
A user-friendly representation of the error code. `null` if the error is not related to user action. This may change over time and is not safe for programmatic use.
request_idstringoptional
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarrayoptional
In this product, a request can pertain to more than one Item. If an error is returned for such a request, `causes` will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified. `causes` will be provided for the `error_type` `ASSET_REPORT_ERROR` or `CHECK_REPORT_ERROR`. `causes` will also not be populated inside an error nested within a `warning` object.
statusintegeroptional
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
documentation_urlstringoptional
The URL of a Plaid documentation page with more information about the error
suggested_actionstringoptional
Suggested steps for resolving the error
required_account_subtypesarray<string>optional
A list of the account subtypes that were requested via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.
provided_account_subtypesarray<string>optional
A list of the account subtypes that were extracted but did not match the requested subtypes via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.

Error handling

Provide valid Plaid credentials through client_id and secret, and identify the requested user with the applicable user identifier. If options is supplied, lend_score_version must be one of: v1.0, v2.0, or LS1.