# User - Credit Reports

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Retrieve the user's full credit report (trade lines, balances, inquiries, public records, summaries) in two modes — a **live** report fetched on the host's configured cadence, or a **stored** report read from encrypted history. Also includes a PDF export.
**Authentication.** User access token. The token's user must match the resource owner.
**Refresh.** Live reports are served from a server-side cache within the host's refresh window (typically weekly or monthly). To force a fresh pull, call `POST /direct/update-refresh/{id}` from your backend (see Direct - Data & Cache).
**Bureau coverage.** Set per host. Reports are available from **all three bureaus** — Equifax, TransUnion and Experian — in any combination: one bureau (**1B**), two (**2B**), or all three (**3B**). Equifax also offers its own **EFX 3B** report, a merged tri-bureau file from a single Equifax pull.
**Partial enrollment.** A user is enrolled with each of the host's bureaus in turn, and one may decline — most often because the consumer's details do not match that bureau's file. The others still complete and the user reads credit data from those, so a response can carry **fewer bureaus than the host is configured for**: a 3B host can return a 2B payload. Read the `bureaus` array rather than assuming a key is present. We retry the missing bureau on the user's next few logins, so a payload may widen later without anything changing on your side.
**Which endpoint.** Users on the Equifax bundles read `GET /users/efx-latest-report`, which returns the Equifax format. Users enrolled with multiple bureaus read `GET /users/latest-report`, which returns one entry per bureau, each in that bureau's own format. Send the header `X-TransUnion-Format: v2` for the TransUnion report, which follows fixed rules — fields prefixed with `_`, sections that can repeat always arrays, typed numbers and booleans. The **PDF export is Equifax only**.
**Selecting bureaus.** On `GET /users/latest-report`, send `bureaus=EFX` (or a list, `bureaus=EFX,TU`; values `EFX`, `EXP`, `TU`) to receive only those bureaus. Without the parameter every bureau is returned. The data is the same pull either way — `reportId` and `generatedAt` do not change — while `reportType` and `bureaus` describe what was returned. A requested bureau the user has no report for is left out; if none of the requested bureaus has one, the request fails with `SC1003`. An unknown value is rejected with `SC200`.
Learn more: [Credit Reports](/client-spec/products#credit-reports).

 - [GET /users/efx-latest-report](https://crsintegration.redocly.app/client-spec/user-credit-reports/efxlatestreport.md): Returns the most recent full credit report for the authenticated user. Reports are refreshed on a weekly or monthly cycle depending on the user's enrollment plan, and cached between updates. **Require
 - [GET /users/latest-report](https://crsintegration.redocly.app/client-spec/user-credit-reports/getlatestreport.md): Returns the user's latest credit report from every bureau enabled on their host - Equifax, TransUnion, Experian - in a single response. `bureaus` names the bureaus the payload contains and `reportType
 - [GET /users/efx-latest-report/summary](https://crsintegration.redocly.app/client-spec/user-credit-reports/efxlatestreportsummary.md): Returns a summarized view of the latest credit report including total open accounts, negative accounts, inquiries, collections, and credit history length. **Requirements:** The user must have passed i
 - [GET /users/credit-reports](https://crsintegration.redocly.app/client-spec/user-credit-reports/getallencryptedreports.md): Returns all credit reports from history for the authenticated user including total report count. **Expiration:** Reports are stored for **3 months**.
 - [GET /users/credit-reports-metadata](https://crsintegration.redocly.app/client-spec/user-credit-reports/getencryptedreportmetadata.md): Returns metadata for all credit reports without the report data itself. Useful for listing available reports and their dates before fetching full reports. **Expiration:** Reports are stored for **3 mo
 - [GET /users/credit-report](https://crsintegration.redocly.app/client-spec/user-credit-reports/getencryptedreport.md): Returns a single credit report from history. **Parameters:** Use `reportId` to fetch a specific report, or `offset` to paginate through reports (0 = latest). **Expiration:** Reports are stored for **3
 - [GET /users/efx-latest-report-pdf](https://crsintegration.redocly.app/client-spec/user-credit-reports/getreportpdf.md): Downloads the latest credit report in PDF format. Returns PDF bytes on success (`application/pdf`) or `application/json` error response on failure. **Equifax only.** The PDF is rendered from the Equif