---
title: "How to Order Instant Merge Credit Reports on Encompass® Desktop"
slug: "order-instant-merge-credit-reports-encompass-desktop"
updated: 2025-10-05T19:15:38Z
published: 2025-10-05T19:15:38Z
canonical: "docs.cotality.com/order-instant-merge-credit-reports-encompass-desktop"
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 Credit Reports on Encompass® Desktop

## Overview

In Encompass Desktop, you can order, view, and download Instant Merge Credit Reports to evaluate a borrower’s creditworthiness and assess potential risk directly within your workflow.

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## Ordering Instant Merge Credit reports

[Ordering Instant Merge Credit Reports (ENC Desktop) KB](https://demo.arcade.software/jMSHM0qR4Prr0UAEKJG8?embed&embed_mobile=tab&embed_desktop=inline&show_copy_link=true)

1. Open the **Report Type** menu.
2. Select the applicable report (Instant Merge, PreQual, PreApproval, or Home Equity).
3. Confirm **New Request** as the **Request Type.**
4. Open the **Report On** menu.
5. Select **Individual** or **Joint.**
6. Select the applicable **Credit Bureaus** to include.
7. Select **Auto-Import Liabilities** to automatically import liabilities from the report.
8. Select **Check this box to exclude zero balances when you import** to exclude zero balances when auto-importing liabilities**.**
9. Include any critical notes to the request.

> [!NOTE]
> **Note**: When a borrower has a military address, a specific state, city, and zip code must be used for a successful validation. Review [Entering Military Addresses](/ext/docs/entering-military-addresses#overview) for more information.
10. Click **Submit.**
11. A confirmation notification will appear if the submission was successful, click **Ok** to close.
12. Click the **Document** icon to view the report. A downloadable PDF version of the report will be available for your review.

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## Outcome

You can now order Instant Merge Credit Reports from within Encompass Desktop.

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## Further readings

- [How to Order Instant Merge LQ GAP Credit Reports on Encompass Desktop](/ext/docs/order-instant-merge-lq-gap-credit-reports-on-encompass-desktop#overview)
- [How to Order Merge Plus Reports on Encompass Desktop](/ext/docs/order-merge-plus-reports-encompass-desktop#overview)
- [How to Retrieve Credit Reports on Encompass Desktop](/ext/docs/retrieve-instant-merge-credit-reports-on-encompass-desktop#overview)
- [Entering Military Addresses](/ext/docs/entering-military-addresses#overview)