CONSUMER FAQS > ALL ABOUT CREDIT REPORTS

Every item of information contained in your credit report at the three national credit bureaus (Equifax, Trans Union and Experian) contributes either positively or negatively to your credit score. Your credit score is used in automated decision making systems at various credit grantors across the country with greater and greater frequency to determine your eligibility for credit. All consumers should understand how credit reporting works, how credit scores work and what steps to take to monitor and correct credit report in the event of errors.

What every consumer should know about credit reports

How are credit reports produced?

Where does credit information come from?

What is a credit score?

How is it computed?

How can I improve my credit score?

When I apply for a loan and get approved, can I make purchases without endangering my home loan?

I pay my bills on time, why is my score so low?

I have a good job and pay cash for purchases, but my score is low.  How can I raise it?

Why is there an inquiry from Birchwood on my report?

How can I correct errors?  How long does it take?

Can I get it corrected faster?

Why is my information different at Exerian, Equifax and Trans Union?

How long does a collection account, judgement of bankruptcy stay on my report?

I have inquiries on my report that I do not recognize. What can I do?

I have information on my report that is not mine. What should I do?

Can I get a copy of my credit report from Birchwood Credit?

Why is my credit report mixed with my relatives or others with similar names or addresses?

I do not have any credit.  How can Non-traditional credit help me?

My credit report is in English.  Can I get my report in Spanish?