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Hello Amy and thanks for contacting Plaid Support! I’d be happy to assist you with this matter. The INVALID_CREDENTIALS
error generally appears when the financial institution you are trying to reach has indicated that the credentials are invalid. The best course of action would be to double check that your financial institution's credentials are correct and were not recently changed. You can learn more about different error codes on this page below:
https://plaid.com/docs/api/#errors
As for public vs access tokens, a public_token can be generated from the Dashboard which can then be passed to your server to be exchanged for an access_token. Please note that public tokens can only be used once each and expire after 30 minutes. A new public_token can be created through the following API endpoint:
/item/public_token/create