How to Add a Spouse on a Credit File

*IMPORTANT NOTES*

If the file is over 30 days old, this method will not work. A user cannot merge data that is over 30     days apart, so a new joint credit report would be needed. 

If the file for the borrower has been reissued to automated underwriting, you must contact CISCO Credit to request a copy file. Once provided the new file number, you may follow the steps below.

Step 1: Log in to CISCO Credit

Go to credit.ciscocredit.com and sign in using your account credentials.

Step 2: Open the Borrower’s File

Enter the borrower’s file number in the search field to access the existing credit file.

Step 3: Select “Add Bureaus / Spouse”

Within the file, on the right-hand side of the screen, locate the blue underscored link labeled ADD BUREAUS / SPOUSE. Click SPOUSE to begin adding the additional applicant.

Step 4: Enter Spouse Information

A new window will appear prompting you to enter the spouse’s personal information.

• If paying by credit card, check the Pay by Credit Card box.
• After entering all required information, click ORDER.

Note: Ordering the spouse’s report does not generate a new report for the primary borrower. Only the new applicant’s credit report will be pulled.

Follow this link for more CISCO Credit Knowledgebase articles.