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.

Workflow

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

Fields reference

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

Field	Type	Required	Description
Score `score`	Number	—	Credit score returned by bureau
Refresh Due Date `refresh_due_date`	Date	—	Date after which a fresh pull should be done.
Bureau `bureau_id`	Link → mfi.crb.bureau	Yes	Bureau
Member `member_id`	Link → mfi.member	Yes	Member
Report Type `report_type`	Choice: Basic — Score Only, Standard — Credit Summary, Full — Comprehensive	Yes	Report Type
Name `name`	Text	—	Name
Request Body `request_payload`	Long text	—	Request Body
Response Body `response_payload`	Long text	—	Response Body
Grade `grade`	Text	—	Grade
Enquiries Last 12m `enquiries_12m`	Number	—	Enquiries Last 12m
Current Arrears `arrears_amount`	Decimal	—	Current Arrears
Delinquency Code `delinquency_code`	Text	—	Delinquency Code
Has Fraud Flag `has_fraud_flag`	Yes/No	—	Has Fraud Flag
Http Status `http_status`	Number	—	Http Status
Round-trip (ms) `duration_ms`	Number	—	Round-trip (ms)
Retry Count `retry_count`	Number	—	Retry Count
Last Error `last_error`	Text	—	Last Error
State `state`	Choice: Draft, Requested, Received, Failed	—	State
User `user_id`	Link → res.users	—	User
Requested On `requested_on`	Date & time	—	Requested 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)