# Getting Reports
source: https://developer.mastercard.com/open-finance-us/documentation/products/lend/get-reports/index.md

Each type of report is generated using a different API endpoint, but all reports can be fetched once they are ready using the Get Report endpoints. You need the ID of the report that was returned when you generated the report.

The endpoint response contains different data depending on the type of report that was generated. The [Reports List](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/index.md) has example JSON and PDF reports for each report type.
Tip: We recommend using report webhooks to get a notification when the report is ready. See [Report Webhooks](https://developer.mastercard.com/open-finance-us/documentation/webhooks/webhooks-report/index.md) for details. Alternatively, you can call one of the Get Report APIs some time after generating the report. Refer to the [Reports List](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/index.md) for the median time it takes to generate each report type. Note: Get Report endpoints can be used to obtain either JSON or PDF format reports. To specify the format required, use `application/json` or `application/pdf` in the `Accept` request header. If neither is set in the `Accept` request header, the report format will be returned in JSON format.

## Get Report by Report ID {#get-report-by-report-id}

Tip: This is a new endpoint which enables you to get a report with the report ID alone without providing a customer or consumer ID. We recommend using this endpoint to get reports to simplify implementing your solution.

Use the report ID to obtain a generated report using the following endpoint. Note that this endpoint can retrieve all Lend report types. The details of the response depend on the type of report being requested.

API Reference: `POST /decisioning/v3/reports/{reportId}`

## Get Report by Consumer {#get-report-by-consumer}

Use the report ID and the consumer ID to obtain a generated report using the following endpoint. Note that this endpoint can retrieve all Lend report types. The details of the response depend on the type of report being requested.

API Reference: `GET /decisioning/v3/consumers/{consumerId}/reports/{reportId}`

## Get Report by Customer {#get-report-by-customer}

Use the report ID and the customer ID to obtain a generated report using the following endpoint. Note that this endpoint can retrieve all Lend report types. The details of the response depend on the type of report being requested.

API Reference: `GET /decisioning/v3/customers/{customerId}/reports/{reportId}`

## Get List of Reports by Consumer {#get-list-of-reports-by-consumer}

Get a list of all generated reports for an individual consumer. Use the report IDs returned to obtain full details of a particular report using one of the other endpoints.

API Reference: `GET /decisioning/v1/consumers/{consumerId}/reports`

## Get List of Reports by Customer {#get-list-of-reports-by-customer}

Get a list of all generated reports for an individual customer. Use the report IDs returned to obtain full details of a particular report using one of the other endpoints.

API Reference: `GET /decisioning/v1/customers/{customerId}/reports`

## Report Reissue {#report-reissue}

Report Reissue is a billable service that enables authorized third
parties - such as investors, mortgage insurers, QC agencies, and loan
management systems - to securely access an existing CRA report
originally generated by another Mastercard partner.

This eliminates the need for
manual workarounds like PDF sharing or credential exchange, ensuring
auditable, read-only access to consumer data. Report Reissue helps
streamline secondary market workflows and maintain data security
throughout the loan lifecycle.

* **Supported Report Types**: All FCRA reports.

Note: Reports may only be reissued for a Fair Credit Reporting Act (FCRA) purpose such as credit, insurance, or employment, and only pursuant to a permissible purpose certification by the report user. Provision and use of reissued reports is subject to all applicable obligations of the FCRA.

To reissue a previously generated report, use the following endpoint:

API Reference: `POST /decisioning/v1/reports/{reportId}/partners`

Note: This is a billable service.

#### Implementation Notes {#implementation-notes}

* Reports can only be reissued within 180 days of the report created date
* An API lock out for failed attempts is in place, so be sure to use a valid report ID
* Retrieve the report in JSON or PDF format using the Accept header in the request

## Portfolios {#portfolios}

You can retrieve a portfolio that includes all the reports generated for a particular consumer.
This is useful for mortgage verification use cases where you need to send reports to Government Sponsored
Enterprises (Fannie Mae/Freddie Mac).

See
[Portfolio ID Usage](https://developer.mastercard.com/open-finance-us/documentation/products/lend/mortgage-implementation/index.md#portfolio-id-usage) for details.