IF YES, May I have your credentials so I can pull up your credit report in my end? 

IF NO, Let me send an email with the link of our credit monitoring system so you can sign up on your end while you have me on the line. Once you are done, just let me know and provide your credentials so I can run the report on my end. 

**Once you have your client’s credit report, discuss it with them. Answer any questions and offer our plans based on their negative accounts and/or bankruptcy (if applicable)