--- title: "How to Retrieve an Existing Credit Report" slug: "how-to-retrieve-an-existing-credit-report-newepcapp" tags: ["Credco", "Encompass Desktop", "Encompass Web", "EPC"] updated: 2026-09-15T20:22:24Z published: 2026-09-15T20:22:24Z canonical: "docs.cotality.com/how-to-retrieve-an-existing-credit-report-newepcapp" 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 Retrieve an Existing Credit Report ## Overview Retrieve an existing Credco® credit report that is not currently available in your system and send the credit data to your loan file. Before you begin, consider the following: - The borrower's demographic information in your Encompass loan file must exactly match the information on the credit report being retrieved. - Use this process when the credit report is not currently accessible in your system. For example, the report was originally pulled using a different set of Credco credentials. - Have the **Reference Number** from the original credit report readily available. You can locate it on the application Dashboard or within the original credit report. --- ## Retrieve an existing credit report **Encompass® Desktop** Follow these steps to retrieve an existing credit report on **Encompass® Web**. [Embedded content](https://app.storylane.io/demo/6jqsfrpgfv7z?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 **Request Type** dropdown menu, select **Retrieve Existing**. 10. Enter the credit report **Reference Number**. 11. From the **Product** dropdown, select the appropriate product from the list. 12. Confirm your import selections: - Select **Auto-Import Liabilities** to automatically import liabilities into your Encompass loan file (or uncheck it to prevent the liabilities from importing). - Select **Exclude Zero Balance** to exclude zero-balance accounts (or uncheck it to include zero-balance accounts in your import to Encompass). > [!NOTE] > **Note**: The Auto-Import Liabilities and Exclude Zero Balance options are not available for Prequal, Home Equity, Preapproval, or Instant Merge Limited orders. 13. 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. 14. 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. 15. Confirm the **Mailing Address** and **Previous Address**. - Select **+Add Mailing Address**. - Select **+Add Previous Address**. 16. 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. 17. Enter any comments or notes in the **Notes** field. > [!NOTE] > **Note**: Comments or notes entered here will appear on the credit report. 18. Select **Submit Order** to complete the process. The **Order Summary** page displays with your completed report status. **Encompass® Web** Follow these steps to retrieve an existing credit report on **Encompass® Web**. [Embedded content](https://app.storylane.io/demo/6cmb2vhcogtv?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. Select **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 **Request Type** dropdown menu, select **Retrieve Existing**. 11. Enter the credit report **Reference Number**. 12. From the **Product** dropdown, select the appropriate product from the list. 13. Confirm your import selections: - Select **Auto-Import Liabilities** to automatically import liabilities into your Encompass loan file (or uncheck it to prevent the liabilities from importing). - Select **Exclude Zero Balance** to exclude zero-balance accounts (or uncheck it to include zero-balance accounts in your import to Encompass). > [!NOTE] > **Note**: The Auto-Import Liabilities and Exclude Zero Balance options are not available for Prequal, Home Equity, Preapproval, or Instant Merge Limited orders. 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 the **Mailing Address** and **Previous Address**. - Select **+Add Mailing Address**. - Select **+Add Previous 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 on the credit report. 19. Select **Submit Order** to complete the process. The **Order Summary** page displays with your completed report status. --- ## Outcome You can retrieve an existing Credco credit report that is not currently available in your system and send the credit data to your loan file.