---
title: "How to Order Instant Merge Credit Reports on Credco.com"
slug: "how-to-order-instant-merge-credit-reports-on-credcocom"
updated: 2026-07-23T17:07:06Z
published: 2026-07-23T17:07:06Z
canonical: "docs.cotality.com/how-to-order-instant-merge-credit-reports-on-credcocom"
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 Instant Merge Credit Reports on Credco.com

## Overview

In Credo.com, you can order, view, and download Instant Merge Credit Reports to evaluate a borrower’s creditworthiness and assess potential risk directly within your workflow.

---

## Ordering Instant Merge Credit Reports

[Ordering Credit Products](https://demo.arcade.software/eKllJc1QK5yt4HFJisqD?embed&embed_mobile=tab&embed_desktop=inline&show_copy_link=true)

1. Click **Order** in the navigation menu.
2. Select a product in the **Credit Products** menu.
3. Scroll to the **Application Info** section, select an option from **Repositories** menu or select **Individual Bureaus** to specify bureaus to include in the report.

> [!NOTE]
> **Note**: Individual Bureaus is not applicable for CSD or LOE products.
4. Select **Individual** or **Joint**.
5. Enter applicant(s) **First Name**, **Last Name**, and **SSN**.
6. If you need to enter a PIN code to unfreeze a credit file, click the accordion control to the left of **Additional Applicant Information.**
  1. Select the checkbox confirming your client’s consent to use the PIN.
  2. Enter the **PIN** code in the relevant text field.
7. Enter the applicant‘s current address.

> [!NOTE]
> **Notes**:
> 
> - If the co-applicant's address differs from the primary address, select the checkbox associated with the co-applicant.
> - When a borrower has a military address, a specific state, city, and zip code must be used for a successful validation. Review [Entering Military Addresses](/ext/docs/entering-military-addresses#overview) for more information.
8. In the **Notes** field, add notes and/or a loan number that can be transferred with your order.
9. Review and verify applicant information, then click **Order Products**.

---

## Outcome

You can now order Instant Merge Credit Reports from within Credco.com.

---

## Further readings

- [How to Order Instant Merge LQ GAP Credit Reports on Credco.com](/ext/docs/how-to-order-instant-merge-lq-gap-credit-reports-on-credcocom#overview)
- [How to Order Supplemental Credit Reports on Credco.com](/ext/docs/how-to-order-supplemental-credit-reports-on-credcocom#overview)
- [How to Update an Existing Supplemental Order on Credo.com](/ext/docs/how-to-update-an-existing-supplemental-order-on-credcocom#overview)
- [How to Retrieve Instant Merge Credit Reports on Credco.com](/ext/docs/how-to-retrieve-credit-reports-on-credcocom#overview)
- [How to Manage Applicants on Credco.com](/ext/docs/how-to-manage-applicants-on-credcocom#overview)
- [Entering Miliary Addresses](/ext/docs/entering-military-addresses#overview)