---
title: "How to Order Instant Merge (Hard Inquiry) Credit Reports on Encompass® Web"
slug: "order-instant-merge-credit-reports-on-encompass-web"
updated: 2025-09-26T22:09:38Z
published: 2025-09-26T22:09:38Z
canonical: "docs.cotality.com/order-instant-merge-credit-reports-on-encompass-web"
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 (Hard Inquiry) Credit Reports on Encompass® Web

## Overview

In Encompass Web, you can order Instant Merge Credit Reports to evaluate a borrower’s creditworthiness and assess potential risk all within your workflow.

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## Ordering Instant Merge credit reports

[Ordering Instant Merge Credit Reports (ENC Desktop) KB](https://demo.arcade.software/Lof724YjWKEkJsEps2aa?embed&embed_mobile=tab&embed_desktop=inline&show_copy_link=true)

1. Open the **Report Type** drop-down.
2. Select the applicable report type (Instant Merge, PreQual, PreApproval, or Home Equity).
3. Confirm **New Request** as the **Request Type.**
4. Select **Individual** or **Joint** from the **Report On**.
5. Select the applicable **Credit Bureaus** to include.
6. Select **Auto-Import Liabilities** to automatically import liabilities from the report
7. Select **Check this box to exclude zero balances when you import** to exclude zero balances when auto-importing liabilities.
8. Include any notes critical to the report.

> [!NOTE]
> **Note**: 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.
9. Click **Submit.**
10. A confirmation notification will appear if the submission was successful, click **Ok** to close.

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## Outcome

You can now order Instant Merge Credit Reports from within Encompass Web.

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## Further readings

- [How to Order Instant Merge LQ GAP Credit Reports on Encompass Web](/ext/docs/procedure-article-template-3#overview)
- [How to Order Merge Plus Reports on Encompass Web](/ext/docs/how-to-order-mergeplus-reports-on-encompass-web#overview)
- [How to Retrieve Credit Reports on Encompass Web](/ext/docs/how-to-retrieve-credit-reports-on-encompass-web#overview)
- [Entering Military Addresses](/ext/docs/entering-military-addresses#overview)