Birchwood Credit Services is a Credit Reporting Agency (CRA) that provides essential credit reporting services to mortgage lenders and other financial institutions. Our role is to compile and deliver accurate credit information that helps lenders make informed decisions.
CRAs, commonly known as credit bureaus, gather and organize information from various sources, including lenders, public records, and collections agencies. This data is used to create credit reports that reflect a consumer’s borrowing and repayment history.