Plaid launched LendScore 2 family and Instant Link for consumer-permissioned cash flow sharing.
LendScore 2 components:
- Ls2 core model: 42% greater predictive power than traditional credit data alone
- Specialized models for Auto, Short Term, and Home Lending
- LendScore Arc: first transformer-based credit risk model; 20% lift for deep-subprime, 24% for super-prime in early testing
Instant Link lets borrowers consent to share cash flow insights for future credit applications; lenders access insights in under two seconds.
LendScore delivered through Plaid’s Consumer Reporting Agency (CRA) with FCRA consumer rights. Explainability via Integrated Gradients; fair-lending testing with Fairplay.