Credit Analysis Tools

Your job: Get more applicants approved, offers accepted, and loans closed

Standing in your way: Inaccurate information, poorly managed credit, and uncertainty

The solution: CreditXpert - Birchwood’s credit analysis & optimization tool

CreditXpert gives you an accurate, consistent, and efficient, way to improve your success rate. Professionals using these tools as an integral part of their loan origination process typically close 30% more loans each month.

With CreditXpert, you will:

• Make more compelling offers and build trust.
• Save time with automation.
• Ensure that no stone has been left unturned with automatic data scrutiny and credit report comparisons.
• Provide better service with consumer-friendly materials that explain and expedite the process.
• Eliminate guesswork with smart insights, detailed analysis, and accurate predictions.
• Close more loans.

In addition, our professional and expert staff will be on-hand to assist you at any point in the process. You can reach us at 800-910-0015 for immediate assistance – no automated attendants, no voicemail, just a friendly professional who is ready to help.

STEP 1: Get the facts

Many applicants’ credit scores are artificially lower than they should be due to inaccurate information. These inaccuracies jeopardize the entire transaction and reduce your ability to close the deal.

It’s an imperfect system, but Birchwood can help you maximize results.

Credit data, although the best information available, is not perfect. Consumers rarely view their credit reports or take the time to practice good credit management. Busy lenders seldom have the time to scrutinize the accuracy of the information on a credit report. Birchwood  can help ensure that each applicant gets the best possible credit score.

CreditXpert makes data useful by providing a detailed credit breakdown that identifies the top positive and negative factors, as well as their related tradelines. They highlight instances where credit scores are artificially low due to inaccurate information and also help you quickly identify which applicants have a chance at raising their score enough to qualify.

Armed with this information, you can focus on what is important and avoid disrupting what is already working.

STEP 2: Identify risks & opportunities

CreditXpert automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates.

This intelligent software solution does all the heavy lifting for you:

• Works continuously in the background
• Scans each document
• Alerts you to each opportunity and its potential
• Shows you exactly which elements to review

CreditXpert makes YOU the expert.

With the insights you gain, you will be able to provide your customers with faster, more accurate, more actionable information. Even small adjustments can make a big difference. With Credit Xpert, you’ll never miss a single opportunity.

Credit Assure™ is the first service that automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates. Intelligent, automatic and easy, Credit Assure™ inspects every file so you don't have to.

Credit Assure™ PDF 

Credit Radar™ is a new cover page to your mortgage credit report that at a glance makes it easier to use than ever before. You'll be able to instantly size-up your loan applicants and spot any critical issues-all without digging through the actual credit report.

Credit Radar™ PDF

STEP 3: Make a plan

Could your applicant maximize his score with better credit management? CreditXpert will tell you if paying down debt, transferring balances, or opening new accounts will make a difference. It will tell you how to maximize credit scores by updating specific incorrect, missing, and outdated information.

Choose rapid rescore mode or planning mode (includes the impact of 30 days passing) to tailor results to your situation.

See the future

We use the most powerful credit score simulator to provide predefined and custom scenarios that help you uncover new opportunities and safely see probable outcomes before you take action. Its proven predictive capabilities are much more reliable than speculation, intuition, or luck.

CreditXpert can help you determine if the applicant can raise his score enough to qualify for an approval or a better rate, so you can make compelling offers and leave your competitors in the dust.

CreditXpert Essentials™ helps you instantly analyze and optimize credit. Featuring consumer-friendly content and the most personalized insights available, CreditXpert Essentials™ determines the best actions to take to maximize an applicant's credit scores, so you know what to look for and what to do.

CreditXpert What-If Simulator™ eliminates the guesswork. The most powerful credit score simulator, CreditXpert What-If Simulator™ includes predefined scenarios for ease of use and custom scenarios for full flexibility. Use CreditXpert What-If Simulator to make informed decisions and uncover new opportunities.

What-If Simulator™ PDF