ALL ABOUT CREDIT > CONSUMER FAQs

CREDIT SCORES [everything you should know about credit scores]
This section contains what you need to know about credit scores and how credit scores work. Birchwood Credit encourages you to review all the following information contained in this section for a complete understanding of credit scoring. By understanding how credit scoring works you will have a better opportunity to keep your credit score as high as possible.

CREDIT REPORTS [everything you should know 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.

YOUR ACCESS TO FREE CREDIT REPORTS
The FCRA requires each of the nationwide consumer credit reporting companies - Equifax, Experian and Trans Union - to provide you with a free copy of your credit report, at your request, once every 12 months.
To order, visit
www.annualcreditreport.com
or call 1-877-322-8228