Introduction

Instant Merge® for Windows is a credit report ordering and processing product from First American CREDCO. Instant Merge® for Windows is a system of hardware and software used to produce fast, accurate credit reports.

Using the Instant Merge® for Windows software and your computer, applicant data is sent to First American CREDCO’s host computers, repository data is obtained and processed, and the final merged report arrives back at your PC in about one minute.

Instant Merge® for Windows provides a quick pull of tradeline data from any, or all, of the three credit bureaus Equifax [EFX], Experian [XPN], or Trans Union [TUC]. Credit data for a particular borrower can be reported differently by each of the three national bureaus. These bureaus may also vary their data collection and coverage by geographical areas in the country. Instant Merge® for Windows simplifies the credit report process for you by using its powerful patented merge logic to compare twelve credit and public record variables, and eliminate duplicate tradelines.

Instant Merge® for Windows then presents the strongest tradeline or public record data in an easy-to-read report.


Features

The Instant Merge® for Windows application includes the following features:

♦	Easy to use interface

♦	Native Windows application

♦	Easily filled-in window for applicant data collection

♦	Rapid report generation and delivery

♦	One, two, or three credit repository requests are merged into a single credit report

♦	Incorporates TAPI to allow use of any installed modem

♦	Communicates via the public telephone system or dedicated leased telephone lines

♦	Provides its own telecommunications software (no other communications software is required)

♦	Allows a variety of transmission options

♦	Single credit report application

♦	Multiple credit report applications

♦	Batch transmission of any subset of the applications, or all of the applications

♦	Provides for a variety of configuration options

♦	Prints reports to any installed printer

♦	File and program access security

♦	Transaction logging

♦	Communication error logging

♦	Easy to understand error messages


System Requirements

The following list defines the Instant Merge for Windows system requirements:

♦	486 DX-66  (or higher) IBM Compatible PC

♦	Microsoft Windows 95 or 98

♦	VGA (or higher) Video Adapter

♦	10 to 32 Megabytes Available Hard Drive Space depending on components installed
(An additional 10 Megabytes is recommended to store saved reports.)

♦	16 Megabytes RAM
(32 Megabytes RAM is recommended)

♦	Hayes Compatible Data-Fax Modem - 14.4 KBPS (or higher)


Technical Support

Technical support is available through the First American CREDCO Help Desk. For assistance, call:

(800) 423-1150

Assistance is available on Monday through Friday from 5:00 a.m. to 8:00 p.m. Pacific Time,

and on Saturday and Sunday from 8:00 a.m. to 4:30 p.m. Pacific Time


Uninstalling the Software

Instant Merge for Windows also includes an uninstall utility to allow you to easily uninstall the software should the need ever arrive. To uninstall Instant Merge for Windows just follow these simple steps:

Step 1:	Open the Windows Control Panel by “clicking” on the Start button, then “clicking” on the Settings option.

Step 2:	Next select the Control Panel option.

Step 3:	Then select the Add/Remove Programs icon.

Step 4:	When you see the following window, browse through the list of installed programs until you find IMW32 and “click” on it to select it.

Then “click” on the Add/Remove button to start the automatic uninstall process.

WARNING:  If you have both Instant Merge for Windows Client and Instant Merge Server for Windows installed, they will both be uninstalled at this time.  DO NOT CONTINUE UNLESS YOU WISH TO REMOVE BOTH PROGRAMS.


Starting the Software

The following section details the steps to start Instant Merge for Windows software.

Step 1:	Click on the Start menu button.

Step 2:	Select Programs → Instant Merge for Windows 2.0  → Instant Merge for Windows 2.0.

Step 3:	When Instant Merge for Windows is started for the first time, you will be required to enter the configuration information for your organization. Instant Merge will prompt you to establish a new user profile, based on information provided by account setup, and to select which modem you desire to use (if your PC has more than one modem installed). For more details on how to complete these configuration windows please refer to Configuring the Software .


Enter UserID and Password

Instant Merge for Windows provides a security function that protects access to the Instant Merge for Windows program and your credit files. If the security feature has been setup and activated, Instant Merge for Windows displays the following Security window each time the software is started.

To access the Instant Merge for Windows program:

1.	Enter your user identification and password.

2.	Click on the OK button.

To learn how to configure security for your system, or to add new users, refer to Security and User Administration .


Getting to Work

When Instant Merge for Windows is started, you will see the main window:

Now you can put the power of Instant Merge for Windows to work. You will find the following sections in very helpful.

♦	Configuring the Software

♦	Learning the Environment

♦	Entering Applicant Information

♦	Security and User Administration

♦	Ordering Reports

♦	Viewing, Printing, and Deleting Reports

♦	Viewing and Clearing Logs


Exiting the Software

To exit the Instant Merge for Windows program, click on the Exit button in the top right corner of the window.

You may also click on the File menu and select the Exit option.


Configuring the Software

All of the configuration windows can be accessed from the Setup menu within the Instant Merge for Windows program.  These options allow you to maintain Profiles , Connection Settings , and Timeout Settings .


Profile Setup

The Customer Profile window is used to enter your First American CREDCO account specification. This window has two tabs. The first tab, Profiles, is used to configure a profile with your account information. The second tab, Server Options, is used to configure Instant Merge for Windows to work with Instant Merge Server.

NOTE: If you do not have Instant Merge Server installed, you must not use the Server Options tab — entering information in this window without having Instant Merge Server installed could cause you some problems.


Profile Setup

To setup a new profile, just follow these simple steps:

Step 1:	DESCRIPTION: Enter a description of the profile in the Description text box. The description is for your own use. It is recommended that you enter information about the account, such as FICO scores, number of bureaus, etc.

Step 2:	CUSTOMER ID: Enter your four (4) or five (5) digit customer identification number in the Customer Id text box. This number is your Instant Merge account number and is supplied by First American CREDCO.

Step 3:	PASSWORD: Enter your customer password in the Password text box. This password is supplied by First American CREDCO.

Step 4:	REGION CODE: The default Region Code of 00 is already entered in the text box. Do not change this number unless directed to do so by Account Setup.

Step 5:	DATA FORMAT: Select the report format, F1, RD, or X3, from the Data Format drop down list box. The default is F1, which requests formatted Instant Merge reports. The F1 is the only report format you should use unless directed to do so by Account Setup.

CAUTION:  Do not select RD or X3 formats unless specifically directed by Account Setup. These formats are reserved for companies doing something unique requiring the reports to be format differently than normal.

Step 6:	ENCRYPT FILE: To enable file encryption, click on the Encrypt File check box, so that a [image] appears in the box. When file encryption is enabled, files stored on the hard disk are encrypted and can be read by Instant Merge only.

Step 7:	NOTES MANDATORY: To require the use of notes, click on the Notes Mandatory check box, so that a [image] appears in the box. This means that each client credit request generated with this profile will require a note, or comment, to be entered.

Step 8:	SAVE: “Click” on Save to save the information entered for this profile, or Cancel to “undo” your changes.

Step 9:	MAKE CURRENT: If you want the current profile used when ordering reports, click on the Make Current button.

NOTE: The status bar contains the message Current Profile when the current profile is displayed.

Step 10: EXIT: Click the Exit Button to quit.

NOTE:  For your convenience, all buttons, except the Cancel button, automatically save your changes as you exit this window.


Adding Profiles

Instant Merge for Windows supports multiple profiles. To create additional profiles follow these simple steps:

Step 1:	Click on the New button to display a blank Customer Profile window.

Step 2:	Enter the profile information. For more information on entering this information, please refer to the previous paragraph.

Step 3:	Click on Save to keep your changes, or Cancel to “undo” your changes.

Use the scroll bar at the bottom of the window to scroll through the available profiles.

NOTE:  You may choose to add different profiles to accommodate your unique business requirements, such as separate billing identification or specific functionality differences.


Deleting Profiles

To delete a profile, just follow these simple steps:

Step 1:	Use the scroll bar to display the profile you want to delete.

Step 2:	Click on the Delete button. A warning window is displayed.

Step 3:	If you are sure you want to permanently delete the profile, click on OK. Click on Cancel if you do not want to delete this profile.


Server Options Window

WARNING:  Do not fill in any blanks on the Server Options window unless you have also installed the Instant Merge Server software. Entries on this screen, when Instant Merge for Windows is used as a “stand-alone” program, will cause problems.

For information on setting up the Server Options, please refer to the Instant Merge Server Reference manual.


Connection Settings

The Connection Settings window is used to set up the method and means of connecting to the First American CREDCO facility. At present, two methods are available — Dial Phone connections and TCP/IP for large, leased line customers.


Phone Settings

Dial-up access is available through CompuServe® and SprintNetSM. To setup your system for dial-up access, follow these simple steps:

Step 1:	SERVICE:  You must first choose the Service you will be using. Simply click on the desired Service so that a · appears adjacent to your selection.

Step 2:	DIAL PHONE NUMBER: Enter the local CompuServe® or SprintNetSM telephone number in the Dial Phone Number text box.
You may obtain a local access for your Service by calling the below information numbers, or the Instant Merge Technical Support

(800)635-6225 — CompuServe®
(800)890-5128 — SprintNetSM
(800)423-1150 — CREDCO Technical Support

The CompuServe® and SprintNetSM telephone numbers are automated systems requiring a touch-tone telephone. Simply answer the questions using the keypad on your telephone. These automated systems will provide you with a local telephone access number. If you prefer to speak someone in person, you can also get an access number from our Help Desk personnel during the normal working hours listed for Technical Support. Then enter that number is the Dial Telephone Number box above.

Step 3:	LOCAL PHONE NUMBER: Enter the telephone number of your PC in the Local Phone Number text box.

Step 4:	SERVER ID NUMBERS: The CompuServe Server and Sprint Server ID Number boxes have already been completed for you.

CAUTION:  Do not change these fields without specific instructions from Technical Support.

Step 5:	The Connect Using box is a “drop-down” box from which you can select, or configure, a modem to be used to send and receive your credit requests.
This list will contain a list of all modems installed on your PC. In most cases, you will have only one modem on your list. Simply click on the modem you desire to use and it will be displayed in this box. If you desire to change the modem’s configuration, them “click” on the Configure button. You will be presented with the standard Windows modem properties window to allow you to change the configuration. For more information on reconfiguring your modem, please refer to your Windows 95 or 98 User Manual, your modem documentation, or contact your System Administrator.

Step 6:	The From Location: box will use the default location that has been identified during the installation of your modem.
If you need to change the default location’s configuration, them “click” on the Configure button. You will be presented with the standard Windows dialing properties window to allow you to change the configuration. For more information on reconfiguring your dialing properties, please refer to your Windows 95 or 98 User Manual, your modem documentation, or contact your System Administrator.

NOTE: If you are in a Metro dialing area you should call Technical Support for detailed guidance on configuring your system.

Step 7:	Click on OK to save the telephone numbers.


TCP/IP Settings

The TCP/IP Settings window is used by large customers with dedicated CREDCO “leased lines.” All boxes on this window should be blank unless the Technical Support staff provides you with specific information for these fields.

When directed by the Technical Support staff to enter information in this window, you must first “click” on the Connect using Local Area Network check box.  An [image] in this box will activate the remaining fields.


Timeout Settings

The Timeout Settings menu allows you to control the timeout delays. The default settings will typically work fine on most systems.

When you “click” on the Timeout Settings option you will see the configuration window.

A brief description of these values and their use is as follows:

Connect Timeout:	The number of seconds Instant Merge for Windows will wait to connect before generating a “timeout” error.
Response Timeout:	The number of seconds Instant Merge for Windows will wait for a response from the CREDCO host computer before generating a “timeout” error.
Report Timeout:	The number of seconds Instant Merge for Windows will wait to for reports to be received.
NOTE:  These settings should not typically be modified unless directed by Technical Support. However, f adjustments are necessary, simply make the changes and click on the OK button.


Learning The Environment

The Instant Merge for Windows screen consists of five parts:

♦	Menu Bar

♦	Button Bar

♦	Request Window

♦	Request Status Window

♦	Communications Status Bar

The Menu Bar provides easy access to the powerful features offered by Instant Merge for Windows. The Button Bar offers rapid access to the most commonly used features. The Request Window is used to enter all pertinent information about the primary applicant and spouse. The Request Status Window is used to select a profile, enter notes or comments, and manage batch transmission. The Communications Status Bar provides the order and print status of the current request and additional transmission information.


Moving Between Window Items

You may use either of the two standard Windows methods of moving between items on your screen.

•	Mouse

•	Keyboard


Mouse

To use your mouse to move between text boxes, button, combo boxes, radio buttons, etc. on your screen, simply place the mouse cursor over the item of your choice and “click” the left mouse button.

Placing your mouse over different sections of the Instant Merge for Windows screen and “clicking” the right mouse button will “pop-up” different shortcut menus.

Over the Button Bar , Request Window , Request Status Window , and Communication Status Bar areas a “right mouse click” will “pop-up” this shortcut menu. For a description of these menu choices refer to Button Bar later in this chapter.

Whenever you “right mouse click” inside any editable field you will receive this “pop-up” shortcut menu. This menu lets you use the standard Windows editing features more easily.


Keyboard

To move to the next text box, press

 <Tab>

To move back to the previous text box, press

<Shift>+<Tab>


Menus and Buttons

The menu bar , located above the button bar , contains “drop-down” menus with easy-to-use choices to help you setup your system or rapidly create, submit, retrieve, print, and review credit requests — singly, or in batches.


Menu Bar

The menu bar provides the following menus:

•	File

•	Setup

•	Security

•	Help.


File Menu

The File Menu lets you choose a different database to store your credit report information, process report requests, control printing, view logs and reports, and exit Instant Merge for Windows.

For a description of these menu choices, simply move the mouse cursor over the option you want to know more about and “click”.

•	Select Database

•	Send

•	Disconnect

•	Print

•	View

•	Batch

•	Auto Print

•	Select Printer

•	View Error Log

•	View Trans Log

•	View Customer Report

•	Clear Transactions

•	Exit


Select Database

Use this option if you need to use a database other than the default database installed with Instant Merge for Windows.

For example, you may choose to locate a copy of the database in a common location, such as a network server or other joint file area, so that more than one person can easily access the same information base. Using this method, individuals would still process credit requests independently, but store the results in a central location.

To select another database, simply “click” on the Select Database option to display a selection window.

You can browse to any location on your PC, or your network using standard Windows 95/98 techniques. When you find the database you want, simply select it, and “click” the Open button.

NOTE:  The database you select must be named credco.mdb, and it must be an exact copy of the default database installed with this version of Instant Merge for Windows to work properly.


Send

This menu choice may be used interactively with the Send button on the Button Bar.  “Clicking” on either one will automatically activate your modem and send a credit request for the active client.


Disconnect

This menu choice may be used interactively with the Disconnect button on the Button Bar.  “Clicking” on either one will interrupt the current transmission and disconnect the modem.


Print

This menu choice may be used interactively with the Print button on the Button Bar.  “Clicking” on either one will send the credit report for the active client to your default printer.


View

This menu choice may be used interactively with the View button on the Button Bar.  “Clicking” on either one will open the credit report for the active client so that you may view it on your PC.


Batch

This menu choice may be used interactively with the Batch button on the Button Bar.  “Clicking” on either one will automatically activate your modem and send a credit request for all clients previously identified for batch processing.


AutoPrint

This menu choice is used to setup Instant Merge for Windows to automatically print all incoming credit reports. This feature is active if you have [image] in the margin beside the menu choice.  “Clicking” on this option will toggle the feature “on” or “off”.

All credit reports will be printed to your default printer.


Select Printer

Use this option to select a printer that is not your default printer. When you “click” on this menu item, you will be presented with the Print Setup Window.

Simply “click” on the printer you want to use. The printer name will appear in the Name window. If this is the printer you want, simply “click” on the OK button. Then print your report using the Print button on the Button Bar, or the Print menu choice on the File menu.


View Error Log

Use this option to view the Instant Merge for Windows Error Log.

When you “click” on this menu item, you will be presented with the following Error Log Window.

For more information on the Error Log, please refer to Viewing and Clearing Logs and Records .


View Trans Log

Use this option to view the Instant Merge for Windows Transaction Log.

When you “click” on this menu item, you will be presented with the Transaction Log Window.

For more information on the Transaction Log, please refer to Viewing and Clearing Logs and Records.


View Customer Report

Use this option to view the Instant Merge for Windows Customer Report.

When you “click” on this menu item, you will be presented with the following Customer Report Window.

For more information on the Customer Report, please refer to Viewing and Clearing Logs and Records.


Clear Transactions

Use this option to clear the Instant Merge for Windows Transaction Log. When you “click” on this menu item, you will be presented with the a warning window.

To delete all entries in the Transaction Log, “click” on the OK button. An information window confirms that the Transaction Log was successfully deleted. “Click” on the OK button to continue.


Exit

 Use this option to exit Instant Merge for Windows.


Setup Menu

The Setup Menu lets you configure Instant Merge for Windows. For more information of configuring your system, refer to Configuring the Software .


Security Menu

The Security Menu lets you activate and configure a security system for Instant Merge for Windows. For more information of configuring your system, refer to Security and User Administration .


Help Menu

The Help Menu gives you direct access to H-E-L-P !! You can access an electronic copy of this manual; a “search” capability; quick reference telephone number to Technical Support ; and information “about” this version if Instant Merge for Windows.


Button Bar

The button bar is used to help you easily maintain, or process, credit report information. A description of the buttons on the bar and their function is:

Send	Send the current request. If this button is “grayed-out” you should review the record for missing information.
Disconnect	Cancel the report transmission currently in process
Print	Print the current report
Preview	View the current report, with an option to print
Batch	Batch process all marked entries
New	Create a new, empty Request window
Save	Save the current request information
Cancel	Cancel additions or modifications to the current request.
Delete	Brings up the Delete Records window

You may select the clients individually using standard selection methods or simply click on the Select All button if you wish to mark all clients for deletion.

To actually delete the selected records, “click” on the Delete Selected button.

Note: No client records/reports are actually deleted until you click the Delete Selected button.  Be careful, selected records will be permanently deleted — there is no “undo”.

You will be given one last chance to change your mind, when a warning window “pops-up”.

“Clicking” the OK button will permanently remove the selected records. “Clicking” the Cancel button will return you to the Delete Records window without deleting any records.

To delete records based on the date they were entered, enter the date in the Delete Before window. You may also use the up or down scroll arrows to find your desired date.

You can also “click” on the t arrow to search for your date. This will bring up a calendar that can be used to select the date desired. Simply find your desired date by using the scroll bars at the bottom of the calendar to find the correct month and year. When you “click” on the day of the month that you want, that date is reflected in the Delete Before window.

After you have identified and entered the date in the Delete Before window, “click” on the Delete By Date button to delete these records.

NOTE: This feature will delete records entered On and Before the date in the window.

“Click” on the OK button to return to the primary Request Information window.


Request Window

The Request portion of the Instant Merge for Windows window is used to request repositories and enter applicant and address information. Required applicant information is displayed in red.

This window contains information specific to an individual credit request. This information consists of the following areas:

Batch Indicator	This check box identifies if this client request will be part of a Batch process.
Type Indicator	These Radio Buttons identify if this will be an Individual or a Joint request.
Repositories	These boxes identify how many, and which, repositories will be used for this credit request.
Client  Information	The Primary Applicant, Spouse, Address, and Previous Address sections provide necessary information for the credit request.


Create a New Request Window

To create a new, blank Request window, click on the New button on the button bar.


Batch Process Selector

Placing an [image] in the Batch check box will identify this client’s request as being a part of a Batch Process request.


Type Indicator

When a new Request window is displayed, the Individual option button is selected. If the request is for a joint report, click on the Joint option button, so that an · appears in the button. This selection allows access to the Spouse portion of the window.

NOTE: Do not request a joint report for unmarried applicants. A separate request must be completed for each individual.


Selecting Repository Access

When your account was established with Account Setup, the number, priority, and selection of repositories were initially determined. The Repositories section allows you to temporarily alter that initial selection as required to meet a current requirement. The following information is provided to help you make these temporary changes.


Repository Text Box

The Repository text box is mutually exclusive of the EFX, XPN, and TUC text boxes. Entering a 0 (zero) in this text box, allows you to access the specific repository check boxes which may be selected individually by clicking the desired repository box. Your selection(s) will be identified by an [image] in the adjacent box.

NOTE: The ability to use a specific number of repositories, or specific repository access, varies from customer to customer. You may not have the ability to use these options.

At the time your company first became an Instant Merge customer, a representative decided how many credit repositories Instant Merge would normally access when processing your company’s credit reports. The Repository text box is used to override that default.

For example, entering a 2 in the Repository text box, causes Instant Merge to access only two credit repositories for the report. Conversely, if your company is set up to access only two repositories for each report, you can access all three repositories by entering a 3 in the Repository text box.


Specific Repository Text Boxes

The EFX, XPN, and TUC check boxes are mutually exclusive of the Repository text box. A 0 (zero) must be entered in the Repository text box to allow access to these check boxes.

The EFX, XPN, and TUC text boxes are used to specifically order access for that repository. Enter an [image] in the check box to specifically access that repository.


The Request Status Window

The Request Status section of the window is used to select a profile, enter notes, and select batch transmission of report requests.

The upper portion of this window identifies the active profile; provides a text box for entering notes regarding the active client; a Set Batch button for managing batch processing; and a Comments button to allow you to enter comments for the active client.

The lower portion of this window displays a list of active clients. This portion also provides sorting of the active clients to help you quickly find the client you seek.

Information on these features is provided below.


Profile

The Profile window is a “drop-down” list box which allows selection of the profile you want to make active. You cannot edit this field. Changes to profiles can only be made through the Profile menu located on the Setup menu.

NOTE: Profiles are preconfigured by your system administrator. If you are the system administrator, please refer to Configuring the Software for more information on profiles.


Notes

The Notes text box is used to enter notes regarding the request, or enter the reference number when reordering an existing report. If the Notes label is RED, then notes are mandatory. The use of notes is controlled by the profile and can only be changed in the Profile Setup. Please refer to Configuring the Software for more information on notes.


Set Batch

The Set Batch button brings up the Set Batch selection window where you can use standard Windows selection techniques to identify the clients you want to include in batch processing.

You can easily select all clients for inclusion in batch processing by using the Select All button. To select multiple individual clients, use your mouse and the <CTRL> key to selectively choose those clients to be included.  To select only a small group of clients, use your mouse to select the top member of the group. Then hold down the <Shift> key and click on the bottom member of the group. The whole group is now selected.

Once you have identified the clients to be included in the batch process, click on the Turn Batch On button to activate batch processing. To deactivate batch processing, click on the Turn Batch Off button.  Click on the OK button to leave this window.


Comments

The Comments button brings up a comment window to enter more detailed comments regarding this client or credit report.

To save your comments, “click” OK. To exit without saving your comments, “click” Cancel.

To review comments for a specific client, “click” on the client’s name in the Request Status Window, then the Comments button.


Finding an Active Client

To sort your active client list alphabetically by last name, or first name simply “click” on the Last Name, or First Name buttons. To sort your active client list by Social Security Number simply “click” on the SSN button.

When you find the client you want, simply “click” on the client’s name and the client’s information will be displayed in the Request Window for review, update, or further processing.


The Communication Status Bar

The Communication Status Bar displays various aspects of the communications process when Instant Merge for Windows transmits requests and receives reports. The information displayed in the communication status bar is useful in the troubleshooting process.

The Communication Status Bar consists of the following components:

Component	Description
1st	Message area — Used to display program activity during report transmission and receipt.
2nd	Received Data Indicator — Monitors the receipt of report data by displaying the total number of bytes received for each report.
3rd	Pre-Report Status — Reflects the present status of the current client’s report.
4th	Post-Report Status — Reflects whether or not your report has been printed.
5th	Category — Indicates whether this Instant Merge for Windows profile is presently being used as a “Stand-alone” program (“User”), or if it is being used with Instant Merge Server (“Client”).
6th	Activity Timer — Shows the connection time..


Entering Applicant Information

When entering information in the Request Window , the text boxes accept alpha or numeric values only:

♦	Required information is identified in RED.

♦	Do not use punctuation within any text box.

♦	Do not use control characters within text box.


Entering Name Information

The first set of name text boxes is for the primary applicant. The second set of name text boxes is for the applicant’s spouse. When ordering an Individual report, only the Primary Applicant text boxes are accessible.

♦	Do not request a joint report for unmarried applicants.

♦	If an applicant’s name is hyphenated or uses an accent, do not enter the hyphen or accent in the name field.

1.	Enter the applicant’s last name, first name, and middle initial in the respective text boxes.

2.	Enter the Social Security Number in the SSN text box. Do not use hyphens when entering Social Security Numbers. The system enters the hyphens automatically.

3.	Enter the applicant’s age or date of birth in the DOB text box. When entering the date of birth, use the format MMDDYY (month, day, year) or MMYY (month, year).

4.	The Gen drop down list box is used to indicate generation. Select a valid entry from the list. Valid entries are JR, SR, 2, 3, and 4 .

5.	If this is a joint request, enter the spouse information in the Spouse portion of the window.


Entering Address Information

The Request Window provides two sections for address information. The first set of address fields is for the applicant’s current address. The second set of address fields is for a previous address.

When entering address information, the text boxes accept alpha or numeric values only:

♦	Do not use punctuation within any text box.

♦	Do not use control characters within text box.

There are three address types available for selection: Normal, P.O. Box and Rural Route. When an address type is selected the text boxes change to represent that address type.

The Normal option button is selected when you first enter the address sections. Use the <Down Arrow> key to move to the option button for the correct address type. A l in the button indicates the option button is selected.


Address Type Normal

NOTE: Military addresses are entered using the address type Normal. For detailed information, refer to Entering Military Addresses later in this chapter.

1.	Enter the number of the house address in the Num text box. When entering the number of the house address, the system does not allow you to enter spaces between numbers.

WARNING:  If the numeric address is followed by a fraction (such as ½ or ¼), leave out the fractional value. The system does not allow you to enter fractional values. The system also does not allow alpha characters in this field.

2.	Enter only the street name in the Street Name text box. Direction, such as SW, is entered in the Dir field.

3.	When applicable, enter the apartment number in the Apt text box. When entering an apartment number, do not enter the # (number) sign.

4.	When applicable, select the direction code from the Dir drop down list box. Valid entries are N, S, E, W, NE, NW, SE, and SW.

5.	Enter the city in the City text box.

6.	Enter the 2-character state code in the State text box, or select the state code from the drop down list.

7.	Enter the ZIP code in the Zip text box. The ZIP code must be a valid code for the state entered in the State text box.

NOTE:  Only the 5-digit ZIP code is accepted.


Address Type P.O. Box

When P.O. Box is selected as the address type, the text boxes change to represent that address type.

1.	Enter the box number in the Box No text box. Do not enter the letters PO or leave spaces within the box number. When <Tab> is pressed, the system deletes the PO entry, leaving only the numbers.

2.	Enter the city in the City text box.

3.	Enter the 2-character state code in the State text box, or select the state code from the drop down list.

4.	Enter the ZIP code in the Zip text box. The ZIP code must be a valid code for the state entered in the State text box.


Address Type Rural Route

When Rural Route is selected as the address type. The text boxes change to represent that address type.

1.	Enter the box number in the Box No text box. Do not enter the letters PO or leave spaces within the box number. When <Tab> is pressed, the system deletes the PO entry, leaving only the numbers.

2.	Enter the rural route in the Rural Route text box. Do not enter the letters RR or leave spaces within the rural route number. When <Tab> is pressed, the system deletes the RR entry, leaving only the numbers.

3.	When applicable, enter the apartment number in the Apt text box. When entering an apartment number, do not enter the # (number) sign.

4.	Enter the city in the City text box.

5.	Enter the 2-character state code in the State text box, or select the state code from the drop down list.

6.	Enter the ZIP code in the Zip text box. The ZIP code must be a valid code for the state entered in the State text box.


Entering Military Addresses

When entering military addresses, use the following guidelines:

♦	Select Address Type Normal

♦	Enter military addresses such as “CO B 56th HGG BN, FPO New York, NY 09540” as follows:

Num field: 56

Street Name field: CO B HGG BN

City field: FPO New York

State field: NY

ZIP field: 09540

♦	Enter military addresses such as “3199 Barrack D, FPO New York, NY 09540” as follows:

Num field: 3199

Street Name field: Barrack D

City field: FPO New York

State field: NY

ZIP field: 09540

♦	Enter military address such as “945382104 USS Enterprise, APO, Miami, FL 34002” as follows:

Num field: 945382104

Street Name field: USS Enterprise

City field: APO Miami

State field: FL

ZIP field: 34002


Security and User Administration

Instant Merge for Windows provides a Security function that protects access to the Instant Merge for Windows program. This function allows the system administrator and multiple users  to be setup with user identifications and passwords. In addition, add, delete, and update permissions can be allowed or disallowed for each user.

•	Enabling the Security Function

•	Adding the System Administrator

•	Adding Users

•	Deleting Users


Enabling the Security Function

In order to enable the Security function, you must access the Instant Merge Security window and set up user identifications, passwords, and privileges.

“Click” the Enable Security menu choice to open the Instant Merge Security window and let you configure your security system.


Adding the System Administrator

When the Instant Merge Security window is first displayed, notice that the Administrator option button is the only one you can select. Simply “click” on it to add a · to the Administrator button and a [image] to the Add, Delete, and Update check boxes.

To finish setting up the user identification, password, and permissions for the system administrator, follow these simple steps:

Step 1:	USERID: Enter the system administrator’s user identification in the UserID text box.

Step 2:	PASSWORD: Enter the system administrator’s password in the Password text box.

Step 3:	VERIFY: To verify the password, re-enter the password in the Verify text box.

Step 4:	PRIVELEGES: Ensure that the system administrator has add, delete, and update privileges. “Click” on the Add, Delete, and Update check boxes, so that an [image] appears in each box.

Step 5:	SAVE: Click on Save to save the information.

After the information is saved, you can access all of the other buttons at the bottom of the window.

Button	Action
New	Displays a blank Instant Merge Security window
Delete	Deletes the currently displayed user
Save	Saves the information entered in the window
Cancel	Cancels the window and discards unsaved information
View Password	Displays the password in the Password text box
Exit	Exits the Instant Merge Security window

The Security window has a Scroll Bar at the bottom of the window to allow you to administer the users by simply scrolling through the users’ records.

NOTE:  The UserID name is displayed in the center of the Scroll Bar for your convenience.


Adding Users

Additional Instant Merge for Windows users can be added through the Instant Merge Security window.  Simply “click” on the Maintain Security menu option on the Security menu to activate the Instant Merge Security window.

Then follow these simple steps:

Step 1:	NEW: Click on the New button on the Instant Merge Security window. A blank window is displayed.

Step 2:	USERID INFO: Enter the new user identification, password, and the access privileges you want this user to have.

Step 3:	SAVE: “Click” on Save to save the information.

Step 4:	CONTINUE: Continue to add users by clicking on New, entering the user information, and clicking on Save.

Step 5:	EXIT: When you have entered all users, click on Exit to close the Instant Merge Security window.


Deleting Users

To delete a user from the system simply “click” on the Maintain Security menu option on the Security menu to activate the Instant Merge Security window.

1.	Use the scroll bar at the bottom of the Instant Merge Security window to scroll to the user you want to delete.

2.	Press the Delete button.

3.	You will be asked if you really want to delete this security record. If you do, “click” on the OK button, if not then “click” the Cancel button.


Deactivate Security

To deactivate security, simply “click” on the Deactivate Security menu option on the Security menu to activate the Instant Merge Security window.

You will be warned that this will permanently remove all security from the system.

NOTE: Removing security from your system will require that you start over entering users and their access the next time you want to add security back to your system.

To permanently remove security from your system, “click” the Yes button, otherwise “click” the No button to keep your present security configuration.

The complete removal of security from your system will be confirmed with the a warning window.

“Click” on the OK button to continue.


Working with Security Enabled

Once the Security function is setup and activated, Instant Merge for Windows displays the Security window each time the software is started.

You must enter your user identification and password to access the Instant Merge for Windows program.


Ordering Reports

Credit data for a particular borrower can be reported differently by each of the three national bureaus. These bureaus also have geographical areas in the country where their data collection and coverage vary. Instant Merge for Windows simplifies the credit report process for you. Instant Merge for Windows uses powerful patented merge logic to compare twelve credit and public record variables, and eliminate duplicate tradelines. Instant Merge for Windows then presents the strongest tradeline or public record data in an easy-to-read report.

Instant Merge for Windows allows you to order single or multiple reports (batch processing). Additionally, you can reorder an existing report, or reorder an incomplete report.

Under normal circumstances, Instant Merge for Windows delivers a single standard credit report in minutes — depending on the speed of your computer and your modem.

•	Ordering a single report

•	Ordering multiple reports

•	Reordering an Existing Report

•	Reordering an Incomplete Report


Ordering a Single Report

To transmit a single request for an Instant Merge credit report follow these simple steps:

Step 1:	Select the client you wish to submit a request on. This must be the client visible in the Request Window .

If not, select the client by clicking on the client’s name in the Request Status Window. When the name of the client you want to submit a report on appears in the Request Window you are ready for Step 2 below.

Step 2:	Then click on the Send button located on the Button Bar .


Ordering Multiple Reports

To transmit multiple requests, commonly referred to as batch processing, just chose how you want to identify batch process members — individually or by group. Then follow these simple steps:

•	Group Identification

•	Individual Identification


Group Identification

Step 1:	Identify the clients to be included in the batch request. In the Request Status Window , “click” the Set Batch button to identify the requests you want to transmit.

Step 2:	The Set Batch button brings up the Set Batch selection window. You can easily select all clients for inclusion in batch processing by using the Select All button.

You may also use standard Windows selection techniques to identify the clients you want to include in batch processing.

To select multiple individual clients, use your mouse and the <CTRL> key to selectively choose those clients to be included.  To select only a small group of clients, use your mouse to select the top member of the group. Then hold down the <SHIFT> key and click on the bottom member of the group. The whole group is now selected.

Step 3:	Once you have identified the clients to be included in the batch process, “click” on the Turn Batch On button to activate batch processing. To deactivate batch processing, “click” on the Turn Batch Off button.  “Click” on the OK button to leave this window and return to the Request Window.

Step 4:	Then click on the Send button located on the Button Bar .


Individual Identification

Step 1:	Select the client you wish to include in the batch request by “clicking” on the client’s name in the Request Status Window . When the name of the client you want to submit a report on appears in the Request Window you are ready for Step 2 below.

Step 2:	“Click” on the Batch check box so that a [image] appears in the box, thus adding this client to a batch request.

Step 3:	Continue to add clients to the batch process by repeating Steps 1 and 2 above until you have identified all of the clients you want included in the batch request.

Step 4:	Then click on the Batch button located on the Button Bar .


Reordering an Existing Report

Have ever wished that you had not been is such a hurry to delete a report? If so, the following information will be very useful, and might even save you some money.

You can reorder that report in one of two ways — depending on how long ago you originally got the report.

•	Reordering a Report Within Five Days

•	Reordering a Report After Five Days


Reordering a Report Within Five Days

To reorder a report within five (5) days of the original report request date, follow these simple steps:

Step 1:	Reenter the information exactly as you did for the initial report. You can specify a different format type at this time.

Step 2:	Then click on the Send button located on the Button Bar .

The First American CREDCO computers store reports for ready access for five days. The computers compare the information you send and, if it exactly matches a report that was run within five days, the report is recreated without querying the repositories.

NOTE: A report that is reordered within five days of the original report must be ordered with all information (except format type) exactly as the original. Any deviation, or altered information, is interpreted as a new report request and does not result in a reorder.


Reordering a Report After Five Days

If more than five days have passed from the date of the original report, use the following steps to request an additional copy from First American CREDCO.

Step 1:	Locate the reference number of the report you wish to reorder. The key to obtaining a duplicate of a report that was previously ordered is the reference number. This reference number is found at the top, right, corner of the returned report.

NOTE: You must know this number in order to obtain a duplicate of the report. If you have no record of the reference number, contact the First American CREDCO Help Desk for assistance.

Step 2:	Find a Request window to work from. You can use an existing Request window that has been completed, even though the data belongs to another applicant, or you can use a blank Request window.

CAUTION: If you reorder using an existing Request window, the reordered report overwrites the existing report of the other applicant. This results in the loss (deletion) of that applicant’s report.

Step 3:	If you choose to work from a blank Request window, you must enter information in all mandatory fields.

Step 4:	Enter the 15-digit reference number in the Notes field of the Request Status window using the following format:

            REF-###############

where the REF entry signals Instant Merge that a duplicate report is requested and each # indicates a digit in the reference number of the report being reordered.

Even though the reference number on the report contains hyphens, do not enter these hyphens when reordering a report.

The reference number must be entered exactly as shown above. If it is not entered in the correct format, you do not receive a duplicate report. Instant Merge returns an error message or processes a completely new report.

Step 5:	Then click on the Send button located on the Button Bar .


Reordering an Incomplete Report

When a report is ordered from Instant Merge, Instant Merge accesses the credit repositories to obtain the requested information. One or more of these repositories may not be available at the time of your request. When this occurs, the returned report contains the message “possible incomplete data”.

Reorder the report using the procedures in the previous section —Reordering an Existing Report. When the report is reordered, Instant Merge again attempts to obtain information from any repositories that were unavailable at the time of the initial request.

NOTE: Instant Merge does not charge for access to an unavailable repository until it successfully obtains the requested information.


Viewing, Printing, and Deleting Reports

Instant Merge reports are delivered to your computer after processing is completed. You can view, print, and delete the reports at any time after receiving the completed report.

•	Viewing Reports

•	Printing Reports

•	Deleting Reports


Viewing Reports

To view a report, follow these simple steps:

Step 1:	In order for Instant Merge for Windows to display the proper report, the client’s name must first be visible in the Primary Applicant text box in the Request Status window. You may need to “click” on the client’s name in the Request Status Window to make that client “active”, before you will be able to view the correct report.

Step 2:	Check to see the report has been successfully returned from Instant Merge.  If so, the message “Completed” will be visible on the Communications Status Bar.

Step 3:	“Click” on the View button, located on the button bar.

Step 4:	The Print Preview window allows you to preview the Instant Merge report on your screen.

The current page number of the report is shown on the Print Preview tool bar, at the bottom of the window.

Additional functions can also be selected from the tool bar.

	Click this icon to move to the beginning of the report file.
	Click this icon to move one page to the left in the report file.
	Click this icon to move to the end of the report file.
	Click this icon to move one page to the right in the report file.
	Use the Zoom drop down text box to enlarge or reduce the size of the displayed report. You can use the Scroll Bar at the bottom of the screen to move “left” or “right” to see more of the transaction log.
	Click on the printer icon to print the report on your default printer.
	Click on this icon to close the Print Preview window and return to Instant Merge for Windows..
	Click this icon to adjust the margins for your printed report.

Use the margin windows to adjust the top, bottom, left, or right margins. When you are finished, click OK to save your changes and exit. Click Cancel to exit without saving your changes. To restore your margin settings to the default system margins ( ½”), click the Default button.


Printing Reports

Instant Merge for Windows stores completed reports as a permanent part of each client’s record. When you delete the client record, you delete the associated report.

Reports may be printed automatically or manually.  You may also reprint an existing report .


Automatic Printing

To automatically print reports when they are received select the Auto Print option on the File menu to setup Instant Merge for Windows to automatically print all incoming credit reports. This feature is active if you have [image] in the margin beside the menu choice.  “Clicking” on this option will toggle the feature “on” or “off”.

All credit reports will be printed to your default printer.

Other printing options, such as selecting which printer to print to, are available from File → Select Printer on the menu bar. For additional information, refer to your Windows documentation, or contact the First American CREDCO Help Desk.


Manual Printing

To print a report manually, follow these simple steps:

Step 1:	In order for Instant Merge for Windows to print the proper report, the client’s name must first be visible in the Primary Applicant text box in the Request Status window. You may need to “click” on the client’s name in the Request Status Window to make that client “active”, before you will be able to print the correct report.

Step 2:	“Click” on the Print button, located on the button bar .

You may also use the Print option on the File menu, or “right click” with your mouse to bring up the “pop-up” menu. Then select the Print option..


Reprinting an Existing Report

When Instant Merge returns a report, it electronically stores the report on your computer. Provided you have not, at any time, selected the report for deletion, you can print an additional copy of the report from your computer.

To reprint an existing report refer to the preceding paragraph, Manual Printing. If you have previously received a report and since deleted it from your computer, refer to Reordering an Existing Report.


Deleting Reports

Instant Merge for Windows stores completed reports as a permanent part of each client’s record. In order to delete a report, you must delete the associated client record.

To delete a report or multiple reports, just select your method and then follow these simple steps:

•	Deleting Records by Name

•	Deleting Records by Date


Deleting Records by Name

Step 1:	“Click” on the Delete button on the button bar.

Step 2:	The Delete Records window is displayed.

Step 3:	You may select the clients individually using standard selection methods or simply click on the Select All button if you wish to mark all clients for deletion.

To select multiple individual clients, use your mouse and the <CTRL> key to selectively choose those clients to be included.  To select only a small group of clients, use your mouse to select the top member of the group. Then hold down the <SHIFT> key and click on the bottom member of the group. The whole group is now selected.

Step 4:	To actually delete the selected records, “click” on the Delete Selected button.

Note: No client records/reports are actually deleted until you click the Delete Selected button.  Be careful, selected records will be permanently deleted — there is no “undo”.

Step 5:	You will be given one last chance to change your mind, when a confirmation window “pops-up”.

Step 6:	“Clicking” the OK button will permanently remove the selected records. “Clicking” the Cancel button will return you to the Delete Records window without deleting any records.


Deleting Records by Date

To delete records based on the date they were entered, follow Steps 1 and 2 above first, then follow these additional steps.

Step 3: Enter the date in the Delete Before window. You may also use the up or down scroll arrows to find your desired date.

You can also “click” on the t arrow to search for your date. This will bring up a calendar that can be used to select the date desired.

Simply find your desired date by using the scroll bars at the bottom of the calendar to find the correct month and year. When you “click” on the day of the month that you want, that date is reflected in the Delete Before window.

Step 4:	After you have identified and entered the date in the Delete Before window, “click” on the Delete By Date button to delete these records.

NOTE: This feature will delete records entered on and before the date in the window.

Step 5:	To actually delete the selected records, “click” on the Delete Selected button.

NOTE: No client records/reports are actually deleted until you click the Delete Selected button.  Be careful, selected records will be permanently deleted — there is no “undo”.

Step 6:	You will be given one last chance to change your mind, when a confirmation window “pops-up”.

Step 7:	“Clicking” the OK button will permanently remove the selected records. “Clicking” the Cancel button will return you to the Delete Records window without deleting any records.


Viewing and Clearing Logs and Records

Instant Merge for Windows provides an active customer report and transaction and error logging. The Customer Report displays a list of active clients and their associated comments. The Error Log displays the date, time, error code, and a description of the error. The Transaction Log displays the date and time of each transaction.

All users can view and clear the Transaction Log, They may also view the Error Log and the Customer Report.

•	Viewing the Customer Report

•	Viewing the Error Log

•	Viewing the Transaction Log

•	Clearing the Transaction Log


Viewing the Error Log

To view the Error Log, select File → View Error Log.

The Error Log window is displayed.

The current page number of the Error Log is shown on the Error Log tool bar, at the bottom of the window.

Additional functions can also be selected from the tool bar.

	Click this icon to move to the beginning of the error log file.
	Click this icon to move one page to the left in the error log file.
	Click this icon to move to the end of the error log file.
	Click this icon to move one page to the right in the error log file.
	Use the Zoom drop down text box to enlarge or reduce the size of the displayed error Log. You can use the Scroll Bar at the bottom of the screen to move “left” or “right” to see more of the error log.
	Click on the printer icon to print the error log on your default printer.
	Click on this icon to close the View Error Log window and return to Instant Merge for Windows.
	Click this icon to adjust the margins for your printed report.
Use the margin windows to adjust the top, bottom, left, or right margins. When you are finished, click OK to save your changes and exit. Click Cancel to exit without saving your changes. To restore your margin settings to the default system margins ( ½”), click the Default button.


Viewing the Transaction Log

To view the Transaction Log, select File → View Trans Log.

The Transaction Log window is displayed.

The current page number of the Transaction Log is shown on the Transaction Log tool bar, at the bottom of the window.

 Additional functions can also be selected from the tool bar.

	Click this icon to move to the beginning of the transaction log file.
	Click this icon to move one page to the left in the transaction log file.
	Click this icon to move to the end of the transaction log file.
	Click this icon to move one page to the right in the transaction log file.
	Use the Zoom drop down text box to enlarge or reduce the size of the displayed Transaction Log. You can use the Scroll Bar at the bottom of the screen to move “left” or “right” to see more of the transaction log.
	Click on the printer icon to print the transaction log on your default printer.
	Click on this icon to close the View Transaction Log window and return to Instant Merge for Windows..
	Click this icon to adjust the margins for your printed report.

Use the margin windows to adjust the top, bottom, left, or right margins. When you are finished, click OK to save your changes and exit. Click Cancel to exit without saving your changes. To restore your margin settings to the default system margins ( ½”), click the Default button.


Clearing the Transaction Log

To clear the Transaction Log, select File → Clear Transaction Log. A delete warning window is displayed.

To delete all entries in the Transaction Log, click on the OK button. An information window confirms that the Transaction Log was successfully deleted. “Click” on the OK button.


Viewing the Customer Report

To view the Customer Report, select File → Customer Report.

The Customer Report window is displayed.

The current page number of the Customer Report is shown on the Customer Report tool bar, at the bottom of the window.

 Additional functions can also be selected from the tool bar.

	Click this icon to move to the beginning of the Customer Report file.
	Click this icon to move one page to the left in the Customer Report file.
	Click this icon to move to the end of the Customer Report file.
	Click this icon to move one page to the right in the Customer Report file.
	Use the Zoom drop down text box to enlarge or reduce the size of the displayed Customer Report. You can use the Scroll Bar at the bottom of the screen to move “left” or “right” to see more of the Customer Report..
	Click on the printer icon to print the transaction log on your default printer.
	Click on this icon to close the View Customer Report window and return to Instant Merge for Windows..
	Click this icon to adjust the margins for your printed report.

Use the margin windows to adjust the top, bottom, left, or right margins. When you are finished, click OK to save your changes and exit. Click Cancel to exit without saving your changes. To restore your margin settings to the default system margins ( ½”), click the Default button.