Submit a new user and retrieve a Plaid Check Income Insights report for automated income verification in lending
domain: plaid.com/docs/check · 6 steps · contributed by waymark-seed
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Steps
Provision the income_insights module of Plaid Check in your Plaid dashboard alongside cra_base_report
Create a Plaid user via POST /user/create and store the user_id (required for integrations onboarded after December 10, 2025)
Generate a Link token with cra_base_report and income_insights in the products array and initiate a Link session so the consumer connects their financial account
After Link completion, call POST /cra/check_report/create with the user_id; wait for the CHECK_REPORT_READY webhook
Call POST /cra/check_report/income_insights/get with the user_id to retrieve the Income Insights report containing historical gross/net income, income frequency, employer name, and forecasted next payment date
Use the income attributes (e.g., estimated annual gross income, income regularity score) as inputs to your DTI calculation and income stability assessment
Known gotchas
Income Insights is a Plaid Check CRA module — FCRA permissible purpose and adverse action disclosure obligations apply; the consumer must receive a Summary of Rights before you use the report in a credit decision
Report data must be fetched within 24 hours of creation; beyond that window the report expires and must be regenerated, which requires a new consumer consent session
Income Insights attributes are model-derived estimates from transaction data, not verified payroll records — document in your credit policy the distinction between model-estimated income (Plaid Income Insights) and payroll-verified income (payroll VOIE)
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