Encompass® Integrated Credco® Application Basic Navigation

• Dashboard: Displays order details and results for the applicant(s). This option appears only after at least one order has been placed for the applicant(s).

• New Order: Start a new order for your applicant(s).

• My Info: View and manage your profile and Credco account settings, including confirming details and adding or updating branch accounts for credit orders.

• Close: Exit the Credco application and return to Encompass.

The Dashboard displays a table view of all credit products ordered for your applicant(s). Refer to the descriptions below for details on each column.

• Supplement: In the Supplement column, you can order a credit supplement by selecting + Order Supplement. If a supplement has already been ordered, the option changes to Edit Supplement. Select the caret icon to expand the row and view additional details and available actions for your supplemental order.

• Product. This column shows the type of credit product ordered for your applicant(s).

• Reference #: Displays the reference number associated with the transaction. Selecting the blue Reference # link will open the associated report to view.

• Borrower(s): Shows the name(s) of the borrower(s) included on the report.

• SSN #: Displays the Social Security numbers for your applicant(s). Select the unhide icon to view the full number.

• Bureau(s): Displays the credit bureaus included in the report: TUC (TransUnion), XPN (Experian), and EFX (Equifax).

• Date Ordered: Shows the date the report was ordered. Use the sort option ↑↓ to view results from newest to oldest or oldest to newest.

• Actions: Use the Actions menu in the Actions column to perform additional tasks on a credit report. The menu includes the following options:

  • Reissue Credit Report (Import): Sends updated credit report data and changes back to your Encompass loan file.

  • Add / Remove Bureaus: Modify the bureaus included in the report.

  • Swap Borrower: Update the borrower(s) position on the report.

  • Force New Credit Report: Triggers a fresh pull from the credit bureaus, bypassing the de-dupe (duplicate) check.

  • View Report: Open and review the credit report.

  • Order Merge Plus Supplement: Opens the same screen as + Order Supplement in the Supplement column, allowing you to request a Merge Plus Supplement (Credit Supplement) for the selected report.

The New Order screen includes three main sections: Loan Information, Order Configuration, and Application Information that guide you through placing your credit order.

Review the details below to understand the fields and features available in each section.

Loan Information
Displays basic loan details. Use the Borrowers dropdown to select who to include in the credit report. The Requested By and Loan Number fields are auto-populated from your loan file and cannot be edited.

Order Configuration
You use this section to define your credit report request, including the account it is ordered from, the product, request details, and reporting preferences.

• Account: Select the account used to place the order. If only one account is assigned to your profile, it displays as a read-only field. If multiple accounts are available, use the dropdown to select the appropriate account.

• Request Type: Select the request type: New Request, Retrieve Existing, or Force New Credit Report.

• Reference Number: Enter a reference number to retrieve an existing report and import it into the application.

• Product: Select the credit product for your applicant(s).

• Bureaus: Select the bureaus to include in the report using the checkboxes.

• Report Language: Use the radio buttons to select the report language: English or Spanish.

• Report On: Use the radio buttons to select whether to run an individual or joint report.

• Auto-Import Liabilities: Selected by default. Clear this checkbox to prevent liabilities from being automatically imported into your Encompass loan file.

• Exclude Zero Balance: Selected by default. Clear this checkbox to include zero-balance liabilities in your Encompass loan file.

Application Information
You use this section to review and manage borrower and co-borrower details, including identity and address information.

• Borrower and Co-Borrower Details: Review the borrower information provided from your Encompass loan file. These fields are read-only and cannot be edited. If any information is incorrect, you must exit the application and update the loan file in Encompass.

• Current Address, Mailing Address, and Previous Address: Add, update, or delete the applicant’s address history.

• Address Type: Use the dropdown to select the address type, such as Normal Address, PO Box, Rural Route, or Military.

Other Features

• File Freeze Pin: If your borrower provided a file freeze PIN to access a frozen credit report, you will expand and complete this section for each applicable bureau, and select the acknowledgement checkbox.

• Notes: Add notes to your order. Notes entered here are included in the completed report.

• Cancel: Select to cancel the order and exit the New Order screen.

• Submit Order: Select to submit your order after completing all selections

You use this tab to view your profile details and manage the accounts used to place credit orders.

• Name and Email: View your profile name and email address. These fields are read-only.

• Assigned Accounts: Manage the accounts available for ordering credit products. If your System Administrator created you profile using a template, this section displays From Template Read-Only, and you cannot make changes. If not, you can add additional account numbers by selecting Add Another Account.

  Tip: Refer to How to Manage Your Profile & Add Branch Accounts for Credit Orders for step-by-step instructions.