Response
The response is returned to the HTTPS POST request within a single connection (e.g., synchronous). The response "Content-Type" will be “text/xml”. The credit report can be returned within the EMBEDDED_FILE element as a Base64 encoded PDF and/or in HTML format.
Errors
A MISMO error code and error message are returned in the response body in the event of an error or timeout.
The following is an error response example:
<?xml version="1.0" encoding="UTF-8"?>
<RESPONSE_GROUP MISMOVersionID="2.3.1">
<RESPONSE ResponseDateTime="2024-11-06T06:58:43">
<RESPONSE_DATA>
<CREDIT_RESPONSE MISMOVersionID="2.3.1" CreditReportType="Error">
<CREDIT_REQUEST_DATA CreditRequestID="requestID" BorrowerID="B1" CreditReportRequestActionType="Submit" CreditReportType="Merge" CreditRequestType="Individual">
<CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="Y" _TransUnionIndicator="Y" />
</CREDIT_REQUEST_DATA>
<CREDIT_ERROR_MESSAGE _Code="E036" _SourceType="CreditBureau">
<_Text>Invalid Client Account Identifier</_Text>
<_Text>Incorrect password supplied</_Text>
</CREDIT_ERROR_MESSAGE>
</CREDIT_RESPONSE>
</RESPONSE_DATA>
<STATUS _Condition="Error" _Code="E036" _Description="Invalid Client Account Identifier" />
</RESPONSE>
</RESPONSE_GROUP>Explore the downloadable MISMO Error Code List for applicable error codes and messages/descriptions.