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john ulzheimer is known as one of our nations most recognized credit experts having worked for 28 years in the credit industry john has become one of the most prolific speakers about credit and the go-to authority on answers to credit related questions credit countdown with john alzheimer hey there this is john ulzheimer im coming to you from lovely midtown atlanta where im sitting in traffic i do that a lot these days today im going to record another video in my short series of videos kind of explaining the different types of credit reports different types of credit report formats to give you an idea of what is floating around out there that is commercially available in the world of consumer credit and so today im going to discuss the rmcr so this is the only credit report that actually is represented by an acronym rmcr so pause the video and see if you can guess what rmcr stands for if you cant then restart the video and i will you know spoiler alert im going to tell you what