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An informed consumer is an empowered consumer

Managing your credit properly is a daunting task under the best of circumstances and can be downright overwhelming when you’re preparing to purchase a home.

Birchwood is a consumer reporting agency providing credit reporting products and services to consumers via mortgage brokers and lenders all across the country. We hope you will find these resources useful as you strive to learn more about how credit scores and credit reports can help you take a proactive and strategic role in managing your credit.

Is there a Birchwood inquiry on your credit report?

Birchwood is a consumer reporting agency providing credit reporting products and services to mortgage brokers and lenders as needed to process mortgage loan applications. If you see a Birchwood inquiry on your credit report, it is most likely related to a recent transaction you’ve had with a mortgage broker or lender. In that case, the inquiry indicates that a broker or lender made a legitimate request to access your credit via Birchwood.

You can be confident that access to your personal consumer credit information is appropriately restricted and fully secure. The Fair Credit Reporting Act (FCRA) ensures that only those parties with a valid business need may access this private information, and only with your permission.

Credit Report Access

The federal Fair Credit Reporting Act (FCRA) obligates the three primary credit bureaus to provide you with one free copy of your credit report each year. To obtain this copy, visit www.annualcreditreport.com.

Credit Bureaus

The three major credit bureaus provide a wealth of consumer-specific information on credit management as well as consumer credit services such as credit reports, credit report disputes, and security freezes. You can visit each of their sites for additional information and resources:

Equifax

Experian

TransUnion

Your FICO Score

You can learn more about your FICO Score (the number that summarizes your credit risk) at www.myfico.com.

Reporting Fraud or Identity Theft

If you believe that you have been the victim of identity theft or other credit-related fraud, you can report the crime to any one of the three major credit bureaus via a toll-free number. (The bureau you contact will notify the other two credit bureaus.)

  • Equifax: 888-766-0008
  • Experian: 888-397-3742
  • TransUnion: 800-680-7289

Consumer Rights

The Fair Credit Reporting Act (FCRA) guarantees you certain credit-related rights including access to your credit file, accuracy of the information in your credit file, and the privacy of your personal credit information. Please visit our FCRA Rights overview page for more information. You can also visit the official Credit and Loans page of the Federal Trade Commission (FTC).

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