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

---
name: credit-routes
description: 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.