Husband. Dad of 5. Fintech nerd. Building the future of credit @Plaid. Entrepreneurial at heart. Veteran advocate. @U2 fanatic. Opinions are mine.

Utah, USA
Joined August 2011
I have zero reason to complain after watching this. Zion Clark is an absolute inspiration! No matter the circumstances we find ourselves in, we can find the good and THRIVE! We need more of this in the world! #thrive #WorldRecord #running
🇺🇸ZION CLARK IS THE WORLD’S FASTEST MAN ON 2 HANDS The wrestler, professional mixed martial artist, and wheelchair racer was born without legs due to a rare disorder called Caudal regression syndrome. xitter.cf/GWR/status/18164591336…
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The future of credit underwriting goes beyond the credit score. @Plaid just removed one of the biggest barriers to making that future a reality: friction. Permission your data once. No repeated bank connections. Powerful cash flow insights when lenders need them. Less friction. Better risk decisions. More access to credit. This is how cash flow underwriting goes mainstream. 🔥
Fall Release '26 spotlight — Lending 💸 We have three big updates for lenders. Instant Link puts cash flow and network insights to work at the start of an application. Borrowers can permission their data once, so they don’t have to reconnect their bank account on future applications. About as easy as a soft credit pull. One model doesn't fit every loan, so LendScore 2 is now one big happy family. Core, Auto, Home Lending, and Short Term. Core delivers 42%+ lift over traditional credit data alone. We built Lendscore Arc, our first transformer-based credit risk score and our best-performing Lendscore model yet.
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The future of lending goes beyond credit scores. 🚀 Great discussion at our @Plaid Credit Breakfast at @money2020 on how cash flow data is reshaping prequalification and expanding access to credit. Better data. Smarter decisions. More people getting access to credit.
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The future of #credit isn’t just about credit scores. It’s about the full financial picture. 🔥 @Plaid is changing the game at @money2020. 🚀 Come see the evolution.
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Mitch Cook retweeted
Do we have your attention now?
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Mitch Cook retweeted
It isn’t an insult to cops to say that @Kash_Patel is a liar who steals credit when they arrest violent criminals.
These are the results of good cops being cops- or you can call American law enforcement liars and smear their historic reduction in violent crime under the Trump Admin- based of course on the same familiar sources con from the fake news journos who don’t know the difference between Virginia and Russia… I’m going with law and order
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Mitch Cook retweeted
Fall Release '26 — Payments 💰 Every ACH payment comes down to making a call: approve it and eat the returns, or hold it and risk losing a good customer. We have two ways to handle it, and both just got upgrades. Plaid Signal is for when you want to make the call. It now runs on our sequential foundational model, which reads payment history in context. In testing, it prevented 26.5% more ACH returns with no increase in false flags. pla.id/signal
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AI 🤝 your financial life @Plaid is now powering financial management in @grok. This is only the beginning. 🚀
What's new in Grok Bot 0:19 Team bots - create bots shared with your team members 1:10 Finances - search and manage your finances with @plaid 1:32 Voice calls - @bot can search chats during calls and gracefully handles interruptions Like this for a special bot animation on @X!
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Mitch Cook retweeted
Grok users, it's happening. U.S. users can now securely connect your accounts to @Grok through Plaid. Ask about spending, savings, investments, cash flow, and anything else within your financial context.
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Mitch Cook retweeted
Hoax.
The UN voted 141-8 to adopt a resolution backing a world court opinion that countries have a legal obligation to address climate change. The US was in the 8, with gems like Russia, Iran, Saudi Arabia, and Belarus. Bad company.
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Elon Musk just created a windfall of $12 billion USD for the Ontario Teachers’ Pension Plan, thanks to their investment in SpaceX. That’s nearly $17,000,000,000 CDN. The communists who run the union will still complain about him.
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Saving LA - Phase III
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Spencer Pratt just went NUCLEAR on Karen Bass and Nithya Raman. He just claimed to have a CAREER ENDING recording of one of them and says they should be worried the FBI is about to bust down their door. Spencer is not done yet… 🔥
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Mitch Cook retweeted
California is trying to pass a bill that would criminalize investigative journalism with misdemeanors, $10,000 fines, imprisonment, and content takedown. The proposed bill is titled AB 2624 and was made after I exposed mass fraud by immigrant groups in America. Under AB 2624, government-funded entities like the Somali “Learing” Daycare centers would be protected from being exposed if they operated inside California. The enemy truly is within. When our politicians would rather protect fraudsters and illegal migrants, it’s time for us to stand up or face mass oppression from the traitors who “rule” over us.
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Democrats are now FUMING that Trump is paying TSA agents and are desperate to stop it, claiming it’s “illegal” Play this clip on a loop in every airport in America until the elections
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Mitch Cook retweeted
The best news you'll see all weekend!! I couldn't love this more! We should adopt this nationwide!! Proverbs 8:13 "To fear the Lord is TO HATE EVIL." There is no greater evil than harming innocent children.
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Mitch Cook retweeted
This is exactly how a corrupt governor responds when someone starts exposing fraud.
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Iranian woman Roya Heshmati was whipped 74 times in Iran for "violating public morals" and not wearing a hijab.
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Trump officially broke the record for the longest State of the Union speech ever. Bill Clinton’s record of 1 hour and 28 minutes has been broken. He was 53 years old at the time of the SOTU speech. The President is about to turn 80 years old he looks like he can go for a few more hours. Out work Out strategize Out last #SOTU2026
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Rep. Ilhan Omar and Rashida Tlaib have a COMPLETE MELTDOWN, screaming at Trump after he EXPOSED them for putting illegal aliens before Americans.
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Mitch Cook retweeted
Precisely
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