<?xml version="1.0" encoding="UTF-8"?><oembed><type>video</type><version>1.0</version><html>&lt;iframe src=&quot;https://www.loom.com/embed/6b80b125495c436e834dd22cb0c60e7c&quot; frameborder=&quot;0&quot; width=&quot;1920&quot; height=&quot;1440&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1440</height><width>1920</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1440</thumbnail_height><thumbnail_width>1920</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/6b80b125495c436e834dd22cb0c60e7c-c9ca1a7642e0bd6d.gif</thumbnail_url><duration>246.249</duration><title>Understanding the KBA Process</title><description>I review the KBA process, emphasizing the importance of being in edit mode, verifying address accuracy, and obtaining permission to pull credit. I explain the OTP and KBA options, the question formats, and the steps to access credit reports. No specific action requested from viewers.</description></oembed>