---
title: "How to Order Credit Reports"
slug: "how-to-order-credit-reports-credcodotcom-newapp"
tags: ["Credco", "credco.com"]
updated: 2026-10-02T21:00:19Z
published: 2026-10-02T21:00:19Z
canonical: "docs.cotality.com/how-to-order-credit-reports-credcodotcom-newapp"
excludeFromSearch: true
excludeFromExternalSearch: true
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cotality.com/llms.txt
> Use this file to discover all available pages before exploring further.

# How to Order Credit Reports

## Overview

Order Credco® credit reports to evaluate your borrower’s creditworthiness and assess potential risk. Quickly select your borrowers, choose a credit product and submit your request in just a few clicks.

Use this workflow to order the following credit products:

****Instant Merge****

Instant Merge is a **hard inquiry** report that allows you to combine credit data from **one, two, or all three national credit bureaus** (Equifax, Experian, and TransUnion) into a single, easy-to-read report. This report is suitable for most lending scenarios and is commonly used during the underwriting stage of loan fulfillment.

****Prequal****

Prequal is a **soft inquiry** report that allows you to perform an initial, non-decisionable **credit check for prequalification without impacting the consumer’s credit score**. With proper authorization, use this report to help your borrowers understand their credit standing and explore loan options. It is commonly used during the application stage of the loan process.

****Preapproval****

Preapproval is a **soft-inquiry** credit report that enables lenders to assess a borrower’s eligibility **without impacting the consumer’s credit score**. This report is obtained under the permissible purpose of "extension of credit" and may be used for loan decisioning purposes.

****Home Equity****

Home Equity is a **hard inquiry** report that allows you to evaluate borrower eligibility for **Home Equity Loans** or **Home Equity Lines of Credit (HELOCs)**. This report assesses eligibility against bureau products based on the needs of private investors and is commonly used during the underwriting stage of loan fulfillment.

****Instant Merge Limited****

Instant Merge Limited is a specialized credit report that aggregates mortgage-related data from the national credit bureaus. It can be configured as a mortgage-only report, with or without credit scores, and is typically used during the underwriting process.

---

## Order credit reports

[Embedded content](https://app.storylane.io/demo/hi3ksgsduzzg?embed=inline)

1. From the left navigation menu, click **New Order**.

> [!NOTE]
> **Tip**: You can also click **Create New Order** in the upper-right corner of the screen.
2. From the **Product** section, click **Credit**.
3. Select a product from the **Credit Products** list.
4. Click **Done**.
5. Select a **Report Language,** either English (default) or Spanish.
6. Select or deselect the **Bureaus** you want included in your report.
7. Select an **Application Type**, either **Individual** or **Joint**.
8. Enter your **Loan Number**.
9. Complete the **Applicant** and **Co-Applicant** section as applicable. Fields marked with a red asterisk (*) are required.
  - Last Name*
  - First Name*
  - Middle Name
  - Suffix
  - SSN*
  - Date of Birth
  - Email
10. Enter the **Current Address** for each applicant. Fields marked with a red asterisk (*) are required.

> [!NOTE]
> **Tips**:
> 
> - Use the **Address Type** dropdown menu to change the address format type. Options include Normal, P.O. Box, Rural Route or Military. For military addresses, refer to the [Entering Military Addresses](/ext/docs/entering-military-addresses-credcodotcom-newapp#overview).
> - Clear the **Co-Applicant has same current address as Applicant** checkbox to enter a different current address for the Co-Applicant.
11. If applicable, select the **Previous Address** tab, then enter the previous address for each applicant.

> [!NOTE]
> **Tip**: Clear the **Co-Applicant has same previous address as Applicant** checkbox to enter a different previous address for the Co-Applicant.
12. If applicable, select the **Mailing Address** tab, then enter a mailing address for each applicant if it differs from the Current Address.

> [!NOTE]
> **Tip**: Clear the **Co-Applicant has same mailing address as Applicant** checkbox to enter a different mailing address for the Co-Applicant.
13. Use the **Notes** field to enter any additional information.

> [!NOTE]
> **Note**: Information entered in the **Notes** field will appear in the credit report header.
14. To pay by credit card, if enabled for your organization, select **Use a Credit Card for this Transaction** and enter the required payment information.
15. Before placing your order, review the order details in **Your Order** shopping cart.
16. Click **Submit Order**.

---

## Outcome

You can order and review Instant Merge credit reports to evaluate borrower creditworthiness and assess potential risk.