Which report contains information regarding an individual's general reputation and credit standing?

• A. Credit report
• B. Consumer report
• C. MIB report
• D. Agent's report

Answer: (B)

Underwriting uses different sources of information, and a consumer report is a broad file about a person that includes details on character, general reputation, personal characteristics, and credit standing. Because the question specifies information about an individual's general reputation and credit standing, this type of report best fits that description. A credit report focuses specifically on credit history, an MIB report contains medical information, and an agent's report reflects the agent's observations and notes. So the information described is found in a consumer report.