Consumer credit reporting product providing alternative data-based credit reports for lending decisions.
Plaid Consumer Report is a consumer credit reporting product within Plaid's Check suite that provides alternative data-based credit reports for lending decisions. By leveraging bank transaction data, it generates consumer reports that offer a more complete financial picture than traditional credit bureau data alone.
The product supports FCRA-compliant credit decisioning, enabling lenders to assess borrower creditworthiness using cash flow data, income verification, and spending patterns to expand credit access while managing risk.
| Attribute | Plaid Consumer Report | Yodlee Credit Matrix | |
|---|---|---|---|
| Provider | |  | |
| Founded | 2013 | 1999 | |
| Sells To | Enterprises | Financial Institutions, Fintechs, Lenders, Wealth Management Firms | |
| Pricing Model | Subscription | Subscription, Usage-based | |
| Ownership | Private | Private |
Provider
Founded 2013
Sells To Enterprises
Pricing Model Subscription
Ownership Private
Provider
Founded 1999
Sells To Financial Institutions, Fintechs, Lenders, Wealth Management Firms
Pricing Model Subscription, Usage-based
Ownership Private
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