---
title: "How to Add a Co-Borrower to an Individual Credit Report"
slug: "how-to-add-a-coborrower-to-an-individual-credit-report-newcredcoepcapplication"
tags: ["Credco", "Encompass Desktop", "EPC"]
updated: 2026-09-09T20:57:31Z
published: 2026-09-09T20:57:31Z
canonical: "docs.cotality.com/how-to-add-a-coborrower-to-an-individual-credit-report-newcredcoepcapplication"
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 Add a Co-Borrower to an Individual Credit Report

## Overview

Add a co-borrower to an individual credit report with ease within the Credco™ application. You can quickly add applicants from a previously run credit report, giving you the flexibility to adjust as new information emerges or requirements evolve.

---

## Add a co-borrower

**Encompass® Desktop**

Follow these steps to add a co-borrower to an individual credit report on **Encompass® Desktop**.

[Embedded content](https://app.storylane.io/demo/vhikvnq3pmjh?embed=inline)

1. Sign in to Encompass® Desktop using your credentials.
2. From your **Pipeline**, select the appropriate loan from the list.
3. From the **Forms** menu, select **Borrower Summary - Origination**.
4. Enter the **Co-Borrower details** to your Encompass loan file.
5. Click **Save**.
6. In the left navigation bar, select **Services**, then choose **Order Credit Report** from the menu.
7. On the Credit Report popup, select **Cotality Credco**.
8. Click **Submit**.
9. From the Dashboard, find the individual report you want to update with a co-borrower.
10. From the **Actions** dropdown menu, select **Add Co-Borrower**.
11. On the **Add Co-Borrower** popup, enter all required fields (marked with a red asterisk), including the co-borrower’s **Last Name**, **First Name**, and **SSN**.
12. Confirm or update the **Current Address**, **Previous Address**, and **Mailing Address** for the co-borrower.
13. Click **Submit**. The Order Summary screen displays.

**Encompass® Web**

Follow these steps to add a co-borrower to an individual credit report on **Encompass® Web**.

[Embedded content](https://app.storylane.io/demo/mr9fz8yjq29d?embed=inline)

1. Sign in to Encompass® Web using your credentials.
2. From your **Pipeline**, select the appropriate loan from the list.
3. From the **Forms** menu, select **Application View**, then select **Borrower Information.**
4. Enter the **Co-Borrower details** to your Encompass loan file.
5. Click **Save**.
6. In the left navigation bar, select **Services**, then choose **All Services** from the menu.
7. On the **All Services** page, click **Order Service.**
8. In the **Order Service** popup, select **Credit** under **Categories**, then choose **Cotality Credco** from the **Providers** list.
9. Click **Next**.
10. From the Dashboard, find the individual report you want to update with a co-borrower.
11. From the **Actions** dropdown menu, select **Add Co-Borrower**.
12. In the **Confirm Co-Borrower Addition** popup, review the borrower information currently associated with the loan file and identify the borrower who will be added to the credit report. If the information is correct, click **Confirm Addition**. The Order Summary screen displays.

---

## Outcome

You can confidently add a co-borrower to an previously run individual credit report.