---
title: "How to Place a Request to Start Loan Quality Debt Monitoring"
slug: "how-to-place-a-request-to-start-loan-quality-debt-monitoring"
tags: ["AutomatIQ Borrower", "Debt Monitoring ", "Encompass Desktop", "Encompass Web", "Loan Quality Debt Monitoring", "LQDM"]
updated: 2026-06-01T18:58:26Z
published: 2026-06-01T18:58:26Z
canonical: "docs.cotality.com/how-to-place-a-request-to-start-loan-quality-debt-monitoring"
---

> ## 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 Place a Request to Start Loan Quality Debt Monitoring

## Overview

Loan Quality Debt Monitoring (LQDM) is an advanced, alert-based solution that provides continuous monitoring of a borrower’s credit profile during the critical loan “quiet period” - the timeframe between the initial credit pull and the final closing. You receive real-time alerts on credit activity that could impact loan eligibility, helping you identify risk early and protect loan quality.

With just a few clicks, you can place a request to start monitoring a borrower’s credit profile and automatically detect financial changes as they happen.

---

## Place a request to start debt monitoring

**AutomatIQ® Borrower Portal**

Follow these steps to to make a request to start debt monitoring on a loan in the **AutomatIQ® Borrower Portal**.

[Embedded content](https://cotality.storylane.io/demo/fvoykb3dbbym?embed=inline)

1. Visit the [AutomatIQ® Borrower Portal](https://automatiq.corelogic.com/welcome) and sign in using your credentials. You will be directed to the **My Loans** page.
2. Click **Start a New Loan**.
3. In the **Loan Information** section, enter your **Loan Number**.

> [!NOTE]
> **Note**: The **Loan Number** field is the only required field you need to complete from the **Loan Information** section.
4. In the **Select Services for this Applicant** section, select **Debt Monitoring**.
5. Complete the **Applicant Information** section. Required fields for this section include:
  - First Name
  - Last Name
  - SSN
  - Current Address
  - City
  - State
  - Zip Code

> [!NOTE]
> **Tip**: Click **+ Add Applicant** to include an additional applicant, then complete all required fields
6. Click **Next.**
7. Select the **monitoring level** from the **Select Monitoring Level** dropdown menu.

> [!NOTE]
> **Note:** Available selections are **High**, **Medium**, and **Low**. The default monitoring level was set by your company’s System Administrator, but you may change it manually if your user permissions allow it.
8. Select the **Monitoring Start Date** using the **calendar icon**.

> [!NOTE]
> **Warning**: When entering the Monitoring Start Date, use the calendar icon to select the date. Manually typing a date will cause an error.
> 
> Best practice is to use the Credit Authorization Date as that is when permissible purpose was established with your borrower(s). This date will likely provide the greatest protection from undisclosed debts.
9. Click **Next**.
10. Review and confirm all details displayed on the **Order Review** screen. When everything is correct, click **Submit**.

**Encompass® Desktop**

Follow these steps to to make a request to start debt monitoring on a loan in **Encompass® Desktop**.

Before you begin, ensure the borrower’s loan file includes the following information:

- Loan Number
- Borrower Name(s)
- Address
- Social Security Number(s)
- Date Credit Was Authorized (recommended)

> [!NOTE]
> **Tip**: The Credit Authorized Date fields are 4074 (Borrower) and 4077 (Co-Borrower).

[Embedded content](https://cotality.storylane.io/demo/awukntlgiy2x?embed=inline)

1. Sign in to Encompass® Desktop using your credentials.
2. In your **Pipeline**, select the appropriate loan from the list.
3. From the **Services** tab in the left-hand navigation bar, select **Order Additional Services**.
4. On the **My Providers** tab of the **Additional Services** pop-up, select **CoreLogic LQDM**.
5. Click **Submit**.
6. Select the **monitoring level** from the **Select Monitoring Level** dropdown menu.

> [!NOTE]
> **Note:** Available selections are **High**, **Medium**, and **Low**. The default monitoring level was set by your company’s System Administrator, but you may change it manually if your user permissions allow it.
7. Select the borrowers you want to monitor by checking the box next to each name.

> [!NOTE]
> **Note**: All borrowers are selected by default. To exclude a borrower from debt monitoring, simply clear the checkbox next to their name.
8. Select the **Monitoring Start Date** using the **calendar icon**.

> [!NOTE]
> **Warning**: When entering the Monitoring Start Date, use the calendar icon to select the date. Manually typing a date will cause an error.
> 
> You should also note that you can backdate the Monitoring Start Date up to 118 days from the activation date. The default date is the borrower’s Credit Authorized Date; if none is provided, the system will use the current date.
9. In the **Additional Notifications** section, enter up to four email addresses to receive notifications.
10. Verify that all data populated in the **Loan Information** section is complete and accurate.
11. When everything is correct, click **Submit**.

**Encompass® Web**

Follow these steps to to make a request to start debt monitoring on a loan in **Encompass® Web**.

Before you begin, ensure the borrower’s loan file includes the following information:

- Loan Number
- Borrower Name(s)
- Address
- Social Security Number(s)
- Date Credit Was Authorized (recommended)

> [!NOTE]
> **Tip**: The Credit Authorized Date fields are 4074 (Borrower) and 4077 (Co-Borrower).

[Embedded content](https://cotality.storylane.io/demo/gcupw2wtxe3s?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 drop-down menu.
4. On the **All Services** page, click **Order Service.**
5. In the **Order Service** pop-up, select **Additional Services**, then choose **CoreLogic LQDM**.
6. Click **Next**.
7. Select the **monitoring level** from the **Select Monitoring Level** dropdown menu.

> [!NOTE]
> **Note:** Available selections are **High**, **Medium**, and **Low**. The default monitoring level was set by your company’s System Administrator, but you may change it manually if your user permissions allow it.
8. Select the borrowers you want to monitor by checking the box next to each name.

> [!NOTE]
> **Note**: All borrowers are selected by default. To exclude a borrower from debt monitoring, simply clear the checkbox next to their name.
9. Select the **Monitoring Start Date** using the **calendar icon**.

> [!NOTE]
> **Warning**: When entering the Monitoring Start Date, use the calendar icon to select the date. Manually typing a date will cause an error.
> 
> You should also note that you can backdate the Monitoring Start Date up to 118 days from the activation date. The default date is the borrower’s Credit Authorized Date; if none is provided, the system will use the current date.
10. In the **Additional Notifications** section, enter up to four email addresses to receive notifications.
11. Verify that all data populated in the **Loan Information** section is complete and accurate.
12. When everything is correct, click **Submit**.

---

## Email notifications

Now that debt monitoring is active, you may receive email notifications based on your organization’s setup. These notifications can include alerts, errors, and expiration reminders, helping you stay informed throughout the monitoring period.

| Type | Description |
| --- | --- |
| **Alert Emails** | The email contact on the order receives notifications when a borrower triggers a monitoring alert. These emails may include the loan number and alert type (for example, inquiry or tradeline). |
| **Error Emails** | If a bureau rejects a monitoring request, the email contact used during activation receives an error notification. The message may include the borrower name, bureau, error details, and the last four digits of the loan number. After resolving the issue, submit a new monitoring order. |
| **Expiration Emails** | The email contact receives a notification when monitoring is within 10 days of expiration. Monitoring ends 120 days after the start date. To continue monitoring, submit a new order using the expiration date as the new start date. Submitting a new order before expiration will result in a duplicate request error. |

---

## Outcome

You can place a request to start debt monitoring a borrower’s credit profile to automatically detect financial changes. This allows you to identify potential risk early, maintain loan quality, and receive alerts about credit activity that could impact your borrower’s ability to qualify for a loan.