Consumer reports include information such as which of the following?

• A. Credit, character, reputation, and habits
• B. Medical history
• C. Employment history only
• D. Criminal history

Answer: (A)

Consumer reports used in underwriting focus on how a person handles credit and their general character and lifestyle. They pull information from credit reporting agencies to assess creditworthiness and risk, which is why credit, along with indicators of character, reputation, and habits, is the typical content. Medical history isn’t part of a standard consumer report, and employment history alone or criminal history aren’t the primary components of these reports in this context. A separate background check or medical file might exist for specific purposes, but the consumer report most relevant to underwriting centers on credit and overall character.