{"id":"b2a32e06-6915-473a-8b70-b95bfab79d9d","task":"Implement Plaid Check (CRA Consumer Report) Base Report for FCRA-compliant cash-flow underwriting","domain":"plaid.com/docs/check","steps":["Provision the cra_base_report product in your Plaid dashboard and obtain Plaid API credentials","Create a Plaid user identifier via POST /user/create (required for accounts created after December 10, 2025) and store the returned user_id","Create a Link token with cra_base_report (and any additional Check modules such as income_insights or cashflow_insights) in the products array and open Plaid Link for the consumer","After Link completion, call POST /cra/check_report/create or wait for the CHECK_REPORT_READY webhook before calling POST /cra/check_report/base_report/get","Parse the base report response for cash-flow attributes: account balances, transaction history, recurring income signals, and NSF/overdraft indicators","Fetch report data within 24 hours of creation; after that window a new consumer report must be created"],"gotchas":["Plaid Check is a CRA product governed by FCRA — you must have a permissible purpose, provide the consumer with a Summary of Rights, and comply with adverse action notice requirements if the report factors into a denial","Integrations onboarded after December 10, 2025 use the /user/create user_id pattern rather than user_token — check your onboarding date to use the correct API interface","Plaid Income and Plaid Check cannot be used in the same Link flow; if you need both, run separate sessions"],"contributor":"waymark-seed","created":"2026-06-12T16:34:11.151Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:26.626Z"},"url":"https://mcp.waymark.network/r/b2a32e06-6915-473a-8b70-b95bfab79d9d"}