Reports (Pull)

The register of credit reports pulled from a reference bureau for loan appraisal and monitoring. Each record holds the enquiry for a borrower and the returned score, listings and adverse history. Pulling a report before disbursement is a core underwriting control and, in many markets, a regulatory expectation.

Reports (Pull)
Reports (Pull) — live screen from the BridgeERP MFI Suite.

Workflow

  1. Open Reports (Pull) and create a new enquiry.
  2. Select the borrower and the bureau to query.
  3. Submit the enquiry to request the credit report.
  4. Review the returned score, exposures and any adverse listings.
  5. Attach the report to the loan appraisal for the credit decision.

Fields reference

Every field on this screen, drawn from the live data model.

FieldTypeRequiredDescription
Score
score
NumberCredit score returned by bureau
Refresh Due Date
refresh_due_date
DateDate after which a fresh pull should be done.
Bureau
bureau_id
Link → mfi.crb.bureauYesBureau
Member
member_id
Link → mfi.memberYesMember
Report Type
report_type
Choice: Basic — Score Only, Standard — Credit Summary, Full — ComprehensiveYesReport Type
Name
name
TextName
Request Body
request_payload
Long textRequest Body
Response Body
response_payload
Long textResponse Body
Grade
grade
TextGrade
Enquiries Last 12m
enquiries_12m
NumberEnquiries Last 12m
Current Arrears
arrears_amount
DecimalCurrent Arrears
Delinquency Code
delinquency_code
TextDelinquency Code
Has Fraud Flag
has_fraud_flag
Yes/NoHas Fraud Flag
Http Status
http_status
NumberHttp Status
Round-trip (ms)
duration_ms
NumberRound-trip (ms)
Retry Count
retry_count
NumberRetry Count
Last Error
last_error
TextLast Error
State
state
Choice: Draft, Requested, Received, FailedState
User
user_id
Link → res.usersUser
Requested On
requested_on
Date & timeRequested On

Actions & buttons

Buttons available on this screen and what they do:

  • Pull Report

Status lifecycle

Records on this screen move through these statuses:

Draft → Requested → Received → Failed

Notes & rules

  • Model mfi.crb.report; one record per credit enquiry/pull.
  • Stores returned score, active facilities and negative listings.
  • Each pull is a billable enquiry against the bureau contract.
  • Supports the affordability and adverse-history check in loan underwriting.

Technical model: mfi.crb.report · Record: CRB Report Pull (per member)

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