---
title: "How to Order Instant Merge LQ Gap Reports"
slug: "how-to-order-instant-merge-lq-gap-reports-new-credco-application"
tags: ["Credco", "Encompass Desktop", "EPC"]
updated: 2026-10-06T21:14:53Z
published: 2026-10-06T21:14:53Z
canonical: "docs.cotality.com/how-to-order-instant-merge-lq-gap-reports-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 Instant Merge LQ Gap Reports

## Overview

If you have previously ordered an Instant Merge Report, you can run an Instant Merge LQ Gap report to identify any new credit liabilities added since the initial credit pull.

When you run the refresh, you see a side by side comparison of the original and updated credit reports. Clear visual indicators highlight material changes, with dedicated sections for new liabilities, inquiries, and public records, so you can confidently move forward to closing.

> [!NOTE]
> **Tip**: Before you begin this process, have the **Reference Number** from the original Instant Merge report readily available. You can locate it on the application Dashboard or within the original report.

---

## Order Instant Merge LQ Gap reports

**Encompass® Desktop**

Follow these steps to order an Instant Merge LQ Gap report on **Encompass® Desktop**.

[Embedded content](https://app.storylane.io/demo/jhq6of5o2yqb?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. Select **New Order**.
7. Confirm the details in the **Loan Information** section. If multiple borrowers are on the loan, you can make a selection from the **Borrowers** dropdown menu.
8. Confirm the **Account** associated with your order.

> [!NOTE]
> **Note**: If only one account is assigned to your user profile, it will display as a read-only field. If multiple accounts are available, use the dropdown to select the appropriate account.
9. From the **Product** dropdown, select **Instant Merge LQ Gap**.
10. Select the applicable **Bureaus** by checking the appropriate box(es).
11. In the **Reference Number** field, enter the Reference Number from the initial Instant Merge Report.
12. Select the **Report Language**.
13. From the **Report On** section, select **Individual** or **Joint** using the appropriate radio button.

> [!NOTE]
> **Note**: For orders with two applicants, selecting **Individual** will pull the credit report for the first applicant listed on the loan.
14. Review the **Application Information** section. Observe that the Borrower fields are grayed out and locked from editing.

> [!NOTE]
> **Note**: If any of the borrower information is incorrect, exit the application, update the details in your Encompass loan file, and then return to the Credco application to submit your order.
15. Review and confirm the **Current Address** and update it if needed.

> [!NOTE]
> **Tip**: Select **Normal Address** to change the address format type. Options include Normal, PO Box, Rural Route, or Military. For military addresses, refer to the [**Entering Military Addresses**](/ext/docs/entering-military-addresses-new-credco-application#overview) article.
16. Confirm or enter the **Previous Address** and **Mailing Address.**
  - Select **+Add Previous Address**.
  - Select **+Add Mailing Address**.
17. If your borrower provided a file freeze PIN to access a frozen credit report, expand and complete the **File Freeze PIN** section for each applicable bureau, and select the acknowledgement checkbox.
18. Enter any comments or notes in the **Notes** field.

> [!NOTE]
> **Note**: Comments or notes entered here will appear in the header of your credit report.
19. Select **Submit Order** to complete the process. The **Order Summary** page displays with your completed report.

**Encompass® Web**

Follow these steps to order an Instant Merge LQ Gap report on **Encompass® Web**.

[Embedded content](https://app.storylane.io/demo/ayhnurzk2sbd?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** pop-up, select **Credit** under **Categories**, then choose **Cotality Credco** from the **Providers** list.
6. Click **Next.**
7. Click **New Order**.
8. Confirm the details in the **Loan Information** section. If multiple borrowers are on the loan, you can make a selection from the **Borrowers** dropdown menu.
9. Confirm the **Account** associated with your order.

> [!NOTE]
> **Note**: If only one account is assigned to your user profile, it will display as a read-only field. If multiple accounts are available, use the dropdown to select the appropriate account.
10. From the **Product** dropdown, select **Instant Merge LQ Gap**.
11. Select the applicable **Bureaus** by checking the appropriate box(es).
12. In the **Reference Number** field, enter the Reference Number from the initial Instant Merge Report.
13. Select the **Report Language**.
14. From the **Report On** section, select **Individual** or **Joint** using the appropriate radio button.

> [!NOTE]
> **Note**: For orders with two applicants, selecting **Individual** will pull the credit report for the first applicant listed on the loan.
15. Review the **Application Information** section. Observe that the Borrower fields are grayed out and locked from editing.

> [!NOTE]
> **Note**: If any of the borrower information is incorrect, exit the application, update the details in your Encompass loan file, and then return to the Credco application to submit your order.
16. Review and confirm the **Current Address** and update it if needed.

> [!NOTE]
> **Tip**: Select **Normal Address** to change the address format type. Options include Normal, PO Box, Rural Route, or Military. For military addresses, refer to the [**Entering Military Addresses**](/ext/docs/entering-military-addresses-new-credco-application#overview) article.
17. Confirm or enter the **Previous Address** and **Mailing Address.**
  - Select **+Add Previous Address**.
  - Select **+Add Mailing Address**.
18. If your borrower provided a file freeze PIN to access a frozen credit report, expand and complete the **File Freeze PIN** section for each applicable bureau, and select the acknowledgement checkbox.
19. Enter any comments or notes in the **Notes** field.

> [!NOTE]
> **Note**: Comments or notes entered here will appear in the header of your credit report.
20. Select **Submit Order** to complete the process. The **Order Summary** page displays with your completed report.

---

## Outcome

You can order an Instant Merge LQ Gap report to quickly identify any new credit liabilities added since the initial credit pull.