plaid-openapi-agent/skills/credit/SKILL.md

name, description

name	description
credit-routes	Handle 22 OpenAPI operation(s) under /credit for the credit route group.

credit API Routes

Handle 22 OpenAPI operation(s) under /credit for the credit route group.

Use the generated operation tools to make real API calls. Do not invent API responses. If a tool reports missing setup, return the exact setup field name to the caller. For write, update, or delete operations, state the intended action before calling the tool.

Operations

credit_audit_copy_token_update

• Operation ID: credit_audit_copy_token_update
• Route: POST /credit/audit_copy_token/update
• Mode: WRITE
• Summary: Update an Audit Copy Token
• Body: JSON request body accepted.

credit_sessions_get

• Operation ID: credit_sessions_get
• Route: POST /credit/sessions/get
• Mode: WRITE
• Summary: Retrieve Link sessions for your user
• Body: JSON request body accepted.

credit_audit_copy_token_create

• Operation ID: credit_audit_copy_token_create
• Route: POST /credit/audit_copy_token/create
• Mode: WRITE
• Summary: Create Asset or Income Report Audit Copy Token
• Body: JSON request body accepted.

credit_report_audit_copy_remove

• Operation ID: credit_report_audit_copy_remove
• Route: POST /credit/audit_copy_token/remove
• Mode: WRITE
• Summary: Remove an Audit Copy token
• Body: JSON request body accepted.

credit_asset_report_freddie_mac_get

• Operation ID: credit_asset_report_freddie_mac_get
• Route: POST /credit/asset_report/freddie_mac/get
• Mode: WRITE
• Summary: Retrieve an Asset Report with Freddie Mac format. Only Freddie Mac can use this endpoint.
• Body: JSON request body accepted.

credit_freddie_mac_reports_get

• Operation ID: credit_freddie_mac_reports_get
• Route: POST /credit/freddie_mac/reports/get
• Mode: WRITE
• Summary: Retrieve an Asset Report with Freddie Mac format (aka VOA - Verification Of Assets), and a Verification Of Employment (VOE) report if this one is available. Only Freddie Mac can use this endpoint.
• Body: JSON request body accepted.

credit_bank_income_get

• Operation ID: credit_bank_income_get
• Route: POST /credit/bank_income/get
• Mode: WRITE
• Summary: Retrieve information from the bank accounts used for income verification
• Body: JSON request body accepted.

credit_bank_income_pdf_get

• Operation ID: credit_bank_income_pdf_get
• Route: POST /credit/bank_income/pdf/get
• Mode: WRITE
• Summary: Retrieve information from the bank accounts used for income verification in PDF format
• Body: JSON request body accepted.

credit_bank_income_refresh

• Operation ID: credit_bank_income_refresh
• Route: POST /credit/bank_income/refresh
• Mode: WRITE
• Summary: Refresh a user's bank income information
• Body: JSON request body accepted.

credit_bank_income_webhook_update

• Operation ID: credit_bank_income_webhook_update
• Route: POST /credit/bank_income/webhook/update
• Mode: WRITE
• Summary: Subscribe and unsubscribe to proactive notifications for a user's income profile
• Body: JSON request body accepted.

credit_payroll_income_parsing_config_update

• Operation ID: credit_payroll_income_parsing_config_update
• Route: POST /credit/payroll_income/parsing_config/update
• Mode: WRITE
• Summary: Update the parsing configuration for a document income verification
• Body: JSON request body accepted.

credit_bank_statements_uploads_get

• Operation ID: credit_bank_statements_uploads_get
• Route: POST /credit/bank_statements/uploads/get
• Mode: WRITE
• Summary: Retrieve data for a user's uploaded bank statements
• Body: JSON request body accepted.

credit_payroll_income_get

• Operation ID: credit_payroll_income_get
• Route: POST /credit/payroll_income/get
• Mode: WRITE
• Summary: Retrieve a user's payroll information
• Body: JSON request body accepted.

credit_payroll_income_risk_signals_get

• Operation ID: credit_payroll_income_risk_signals_get
• Route: POST /credit/payroll_income/risk_signals/get
• Mode: WRITE
• Summary: Retrieve fraud insights for a user's manually uploaded document(s).
• Body: JSON request body accepted.

credit_payroll_income_precheck

• Operation ID: credit_payroll_income_precheck
• Route: POST /credit/payroll_income/precheck
• Mode: WRITE
• Summary: Check income verification eligibility and optimize conversion
• Body: JSON request body accepted.

credit_employment_get

• Operation ID: credit_employment_get
• Route: POST /credit/employment/get
• Mode: WRITE
• Summary: Retrieve a summary of an individual's employment information
• Body: JSON request body accepted.

credit_payroll_income_refresh

• Operation ID: credit_payroll_income_refresh
• Route: POST /credit/payroll_income/refresh
• Mode: WRITE
• Summary: Refresh a digital payroll income verification
• Body: JSON request body accepted.

credit_relay_create

• Operation ID: credit_relay_create
• Route: POST /credit/relay/create
• Mode: WRITE
• Summary: Create a relay token to share an Asset Report with a partner client
• Body: JSON request body accepted.

credit_relay_get

• Operation ID: credit_relay_get
• Route: POST /credit/relay/get
• Mode: WRITE
• Summary: Retrieve the reports associated with a relay token that was shared with you
• Body: JSON request body accepted.

credit_relay_pdf_get

• Operation ID: credit_relay_pdf_get
• Route: POST /credit/relay/pdf/get
• Mode: WRITE
• Summary: Retrieve the pdf reports associated with a relay token that was shared with you (beta)
• Body: JSON request body accepted.

credit_relay_refresh

• Operation ID: credit_relay_refresh
• Route: POST /credit/relay/refresh
• Mode: WRITE
• Summary: Refresh a report of a relay token
• Body: JSON request body accepted.

credit_relay_remove

• Operation ID: credit_relay_remove
• Route: POST /credit/relay/remove
• Mode: WRITE
• Summary: Remove relay token
• Body: JSON request body accepted.