## 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>
```

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Explore the downloadable MISMO Error Code List for applicable error codes and messages/descriptions.