The credit report is the backbone of any loan, but it’s not the only tool at your disposal.
Easy access. Full integration. Fast delivery.
From merged credit reports to rapid rescoring to soft inquiry pre-qualification reports and more, Birchwood puts all the credit information you need right at your fingertips. Our services are easy to use, get you fast access to the data you need, include customization options, and integrate seamlessly with almost all loan origination platforms to ensure a smooth and efficient workflow.
Merged Credit Reports
Fast. Accurate. Flexible. Our merged credit report service delivers results in seconds. Order data from one, two, or all three credit repositories. Receive a complete picture of your borrower’s credit history in a single, easy-to-read, customizable format.
Soft Inquiry Pre-Qual Reports
Get critical credit information without a hard pull. This inexpensive alternative to a hard pull provides the consumer’s full credit report and FICO score within seconds, all without affecting the borrower’s credit score. Save money, protect the borrower’s future credit opportunities, and get the info you need to ensure your time and effort won’t go to waste.
Credit Analysis Tools
Save time. Eliminate guesswork. Close more loans. With the CreditXpert®️ suite of analysis, simulation, and optimization products, Birchwood delivers the insights and predictions you need to get more borrowers approved, more offers accepted, and more loans closed. From Credit Assure™ and Credit Radar™ to CreditXpert Wayfinder™ and CreditXpert What-If Simulator™, we help you get the facts, identify risks and opportunities, and make a plan to maximize your borrower’s score. Mortgage professionals using these products typically close 42% more loans each month.
Make corrections and updates 90% faster. Position yourself as a valuable customer ally who responds with lightning speed and delivers the exact right loan products. Rapid Rescore expedites bureau-level updates and corrections, making updates available in only 3 to 5 days instead of 30 to 45. Rush requests available in as few as 24 to 72 hours.
Identify credit issues before you order a tri-merge report. Configure which bureaus to access based on specific criteria in a cascading LOS ordering platform that allows a single bureau or bi-merge credit report to be upgraded with additional bureau data once predefined benchmarks—usually a FICO score requirement—have been met. Four upgrade options available with eight additional attribute options.
An easy and convenient way to access your borrower’s credit data. This customizable credit-ordering portal creates a consumer-facing website URL with which you can collect borrower information, process a credit pull request, and accept payment by credit card. The borrower’s contact information and credit file number are emailed directly to you.
Be proactive about customer retention. This low-cost, customized solution makes it easy to quickly and reliably identify credit shoppers in your portfolio so you have a chance to reach out before they move forward with a competitor. Get alerts within 24 hours of a customer applying for credit.
Improve customer loyalty with a high-value perk. Give your borrowers the gift of a year’s worth of state-of-the-art identity protection. The cost is minimal, but the value is high. Safety features include dark web monitoring, credential vault, and lost document replacement. Crisis services include a dedicated recovery advocate, research, remediation, and more. And, to help avoid the worst case scenario, borrowers can access helpful educational resources.
Business Credit Reports
Minimize risk and make smarter decisions. Get objective, easy-to-read reports in seconds, including business background and financial information, credit risk factors, past liens, judgments, business registrations, bankruptcies, and Uniform Commercial Code (UCC) filings.