How to Add Bureaus or Spouse on a Credit File

To Add a Spouse 

*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, such as the first and last name, SSN, and Date of Birth. The address should be the same as the previously added applicant.

• 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.

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To Add Bureaus 

*IMPORTANT NOTES* 

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” 

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

Step 4: Add Bureau(s) to the Credit 

A new window will appear prompting you to add the additional bureau(s). To order a trimerge, ensure all three bureaus are checked at the top-right, then select Order. Alternatively, deselect the already ordered bureau(s), then select the checkmarks for the bureaus to be added. Then select Order.  

Leaving a bureau already ordered selected will not reorder the existing bureau. 

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.