--- title: "How to Order Credit Supplements" slug: "how-to-order-credit-supplements-new-credco-application" tags: ["Credco", "Encompass Desktop", "EPC"] updated: 2026-08-20T22:06:41Z published: 2026-08-20T22:06:41Z canonical: "docs.cotality.com/how-to-order-credit-supplements-new-credco-application" 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 Supplements ## Overview Order Credit Supplements to verify, update, and resolve flagged credit report items, including mortgage balances, payments, duplicate accounts, bankruptcies, and other derogatory information. Credit Supplements are available on the following credit products: - Instant Merge - Preapproval - Home Equity > [!NOTE] > **Note**: Credit Supplements are not available on soft inquiry Prequal credit reports. --- ## Order Credit Supplements **Encompass® Desktop** Follow these steps to order Credit Supplements on **Encompass® Desktop**. [Embedded content](https://app.storylane.io/demo/w00svjvn5cyj?embed=inline) 1. Sign in to Encompass® Desktop using your credentials. 2. From your **Pipeline**, select the appropriate loan from the list. 3. In the left navigation bar, select **Services**, then choose **Order Credit Report** from the menu. 4. On the Credit Report popup, select **Cotality Credco**. 5. Click **Submit**. 6. From your Dashboard, locate the report you want to order a credit supplement on, then click **+ Order Supplement**. > [!NOTE] > **Tip**: You can also select **Order Merge Plus Supplement** from the **Actions** dropdown menu. 7. From the **Order Supplement** screen, confirm the contact details in the **Applicant Information** section. 8. Enter the applicant’s phone number in the **Phone** field. > [!NOTE] > **Note**: If a phone number is available in your Encompass loan file, it will automatically import and populate this field. 9. Select the phone type from the **Type** dropdown menu. > [!NOTE] > **Tip**: Select **Add Another Phone** to add an additional contact number. Use the **Primary** option to designate the applicant’s primary phone number, or select **X** to remove a number. 10. Enter any special instructions in the **Notes** field (for example, Do not contact applicant before 8:00 A.M. Pacific Time). 11. From the **Line Items** section, select the **Tradelines**, **Inquiries**, or **Public Records** tabs to locate the item(s) you want to review or update, then click **View**. 12. Select the action(s) to perform on your order using the **Verify Balance/Terms**, **Verify History**, or **Delete Item** dropdowns, then click **Apply**. > [!NOTE] > **Note**: Selected actions appear in the **Requested Work** banner. 13. Enter any additional details about the request in the **Notes** field. 14. Click **Apply Changes** to return to the main **Order Supplement** screen. > [!NOTE] > **Tip**: Line items with requested work display **Yes** and **Notes** tags. The **Notes** tag appears only if notes were added to the request. Use the **pencil** icon to edit or the **X** to remove line item actions. 15. If applicable, in the **Added Tradelines** section, click **Add Tradelines**, then select an option from the dropdown to add non-traditional credit such as landlord history, utilities, other accounts, or additional loan or credit details to the applicant’s profile. 16. Complete the required details in the popup, then click **Add Tradeline** to return to the main Order Supplement screen. 17. Add supporting documentation in the **Upload Files** section by selecting the **Encompass eFolder** link. > [!NOTE] > **Note**: A **Borrower Authorization Form is required**. Upload any supporting documentation, such as tradeline payoff statements, to help process your request. 18. In the **Status Notification Emails** section, click **Add Another Email** to optionally add up to two additional recipients for order status notifications. 19. Click **Submit Supplement Request** to place your order. The Order Details page displays and shows a confirmation message that your order was submitted successfully. **Encompass® Web** Follow these steps to order Credit Supplements on **Encompass® Web**. [Embedded content](https://app.storylane.io/demo/lsnziig63bgo?embed=inline) 1. Sign in to Encompass® Web using your credentials. 2. From your **Pipeline**, select the appropriate loan from the list. 3. In the left navigation bar, select **Services**, then choose **All Services** from the menu. 4. On the **All Services** page, click **Order Service.** 5. In the **Order Service** popup, select **Credit** under **Categories**, then choose **Cotality Credco** from the **Providers** list. 6. Click **Next.** 7. From your Dashboard, locate the report you want to order a credit supplement on, then click **+ Order Supplement**. > [!NOTE] > **Tip**: You can also select **Order Merge Plus Supplement** from the **Actions** dropdown menu. 8. From the **Order Supplement** screen, confirm the contact details in the **Applicant Information** section. 9. Enter the applicant’s phone number in the **Phone** field. > [!NOTE] > **Note**: If a phone number is available in your Encompass loan file, it will automatically import and populate this field. 10. Select the phone type from the **Type** dropdown menu. > [!NOTE] > **Tip**: Select **Add Another Phone** to add an additional contact number. Use the **Primary** option to designate the applicant’s primary phone number, or select **X** to remove a number. 11. Enter any special instructions in the **Notes** field (for example, Do not contact applicant before 8:00 A.M. Pacific Time). 12. From the **Line Items** section, select the **Tradelines**, **Inquiries**, or **Public Records** tabs to locate the item(s) you want to review or update, then click **View**. 13. Select the action(s) to perform on your order using the **Verify Balance/Terms**, **Verify History**, or **Delete Item** dropdowns, then click **Apply**. > [!NOTE] > **Note**: Selected actions appear in the **Requested Work** banner. 14. Enter any additional details about the request in the **Notes** field. 15. Click **Apply Changes** to return to the main **Order Supplement** screen. > [!NOTE] > **Tip**: Line items with requested work display **Yes** and **Notes** tags. The **Notes** tag appears only if notes were added to the request. Use the **pencil** icon to edit or the **X** to remove line item actions. 16. If applicable, in the **Added Tradelines** section, click **Add Tradelines**, then select an option from the dropdown to add non-traditional credit such as landlord history, utilities, other accounts, or additional loan or credit details to the applicant’s profile. 17. Complete the required details in the popup, then click **Add Tradeline** to return to the main Order Supplement screen. 18. Add supporting documentation in the **Upload Files** section by selecting the **Encompass eFolder** link. > [!NOTE] > **Note**: A **Borrower Authorization Form is required**. Upload any supporting documentation, such as tradeline payoff statements, to help process your request. 19. In the **Status Notification Emails** section, click **Add Another Email** to optionally add up to two additional recipients for order status notifications. 20. Click **Submit Supplement Request** to place your order. The Order Details page displays and shows a confirmation message that your order was submitted successfully. --- ## Outcome You can order Credit Supplements to verify, update, and resolve flagged credit report items.