This guide walks through all of the core steps related to using Plaid’s Credit Dashboard functionality for everyday use.
\nThe Credit Dashboard is a tab within the general Plaid Dashboard located at plaid.com. In order to gain access to the Plaid Dashboard, please ask your internal Plaid administrator to send you an email invitation to your organization’s Plaid Team via the dashboard, under Settings > Team Settings > Members.
\nOnce you receive the email invitation, you will be asked to create an account with an email and password.
\n\n\nTwo-factor authentication is enabled, so future logins will be routed through your organization’s SSO, if applicable.
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To access the Credit Dashboard, navigate to www.plaid.com and click on Log In. Once you are logged in, you will see the Credit tab on the left side navigation menu.
\nClicking on the Credit tab will direct you to the User Profiles list where you can select specific profiles or create a new Link session.
\nLink sessions are the method by which end users securely connect their bank accounts to your application. This process is managed and secured by Plaid.
\nSelect Create Link at the top of the page to begin the process.
\nPlaid offers two environments — Sandbox for testing and Production for live data. Sandbox should only be selected for testing purposes; all other scenarios should use Production.
\nEnter details and configure the session. A popup will display. Enter details about the end user/applicant and configure the bank connection session.
\nDeliver the session to the applicant. The bank connection session is created. Next, you need to deliver this to the end user/applicant.
\nIf Plaid is delivering this session to the applicant, you will see a Send Link button. This will automatically email this link session to the email address provided in step 2.
\nIf you are using your organization’s own delivery method, you will see the option to copy a unique URL after clicking Create Link. You can send this URL to the user through your primary communication channels.
\nFind the applicant after they successfully connect their bank account.
\nOnce the end user completes the Link session, their bank data will automatically be displayed in the User Profiles list. Refresh the page to see the most recently created User Profiles.
\nTo find a specific user, you can either search by first name, last name, email address, or Reference ID. You may also sort by the date the report was generated for the applicant.
\nClick on a specific applicant to see their User Profile.
\nThe data displayed may vary depending on which products your organization purchased from Plaid.
\nClick on the Income tab to view income-related data.
\n\n\nYour organization must purchase the Bank Income product in order to have access to this screen. If you would like access, please reach out to your Plaid Account Manager.
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This section displays detailed information about the user’s income streams, including frequency, amounts, and other information used for Income Verification.
\nClick on the Accounts tab to see Identity, Balance, and Transactions data.
\nThe Accounts tab displays all connected banks and accounts as well as the identity data stored at the bank. This information is useful for ensuring that the end user/applicant is the same individual that owns the bank account.
\nIf your organization is using Plaid’s Assets product, you will see detailed Balance and Transactions data displayed below.
\nScroll through the Transactions list to find specific transactions. Each transaction is assigned a category to help draw attention to specific transactions based on the category tag.
\nClick on the Export button to generate a PDF copy, if necessary.
\n\n\nNote: this action triggers a billable event and will be charged to your organization. Only export the PDF if it is a necessary step of your process.
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If a PDF copy of the report is required, the Export button will download a PDF copy.
\nThe PDF will export the Income tab and the Accounts tab separately. This is because this data belongs to separate API products.
\nMark as done when the review is complete.
\nOnce you are done reviewing the applicant’s bank data, click on the Mark as done button in the top right corner of the screen. Marking as done will move the applicant to the bottom of the list where you initially searched and selected the applicant.
\nMarking as done does not delete the data. It is only intended to organize applicants into a “To Do” and “Completed” distinction on the search screen. You can still search for and review archived applicants.
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