PRODUCTS & SERVICES

CreditXpert

Unmask Your Applicant's True Score
Many applicants have credit scores that are artificially lower than they should be due to inaccurate information on their credit files. CreditXpert helps you get to the real score, so you can make a more informed and appropriate decision.

Approve More Applicants
Salvage some declines by quickly identifying those who can raise their score enough to qualify. Lenders using CreditXpert® as an integral part of their loan origination process are closing 30% more loans every month.

Have More Offers Accepted
If you're not closing 100% of your approvals, you're leaving money on the table. CreditXpert helps you make more compelling offers and build trusting relationships, so you win more business.

Save Time
CreditXpert automates identification of opportunities to raise scores and analysis of credit files while providing consumer-friendly explanations, so you spend less time figuring out what to do and more time closing loans.

Eliminate Guesswork
CreditXpert empowers every individual working with applicants by providing helpful insights, predictions, and analysis. You can quickly explore options, communicate with applicants, and confidently take action.

View Some CreditXpert Reports:

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Testimonial

Credit Assure

NEW! Introducing 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.

Now You're the Expert
Credit Assure alerts you to opportunities and how big they are, so you don't miss out. Running in the background, scanning all your files, and utilizing proven CreditXpert® optimization and simulation technology, Credit Assure automatically presents findings on every file. You don't need to know anything about credit scoring or spend time scouring credit reports—Credit Assure gives you the answers.

An informative window quickly alerts you if there are items that you should review.

Credit Where Credit is Due
Underwriting decisions are based on credit scores, and credit scores are based on credit data—as the saying goes, "garbage in, garbage out." We all know that credit data, although the best information available, is not perfect. Yet lenders seldom scrutinize the accuracy of the information because it has been too time consuming and difficult. Not anymore. Now Credit Assure highlights instances where credit scores are artificially low due to inaccurate information. This helps you approve more applicants, make better offers and close more loans. Make sound decisions based on sound information.

Take the Best Steps
Could your applicant's score go up if they managed their credit better? Credit Assure will tell you if paying down debt, transferring balances, or opening new accounts can make a difference. Since every credit profile is different, the advanced technology of Credit Assure eliminates the guesswork of what to do.

Birchwood's CreditXpert Detective

Automatically identify opportunities to improve credit scores by updating incorrect, missing, and outdated information. CreditXpert Detective instantly provides key insights so you can effortlessly scan every file and capture opportunities.

Take a Closer Look
CreditXpert Detective finds potential updates – even the ones that you may overlook. By scrutinizing the data within a particular credit report and comparing it against credit reports from the other bureaus, you can rest assured that no stone is left unturned.

Give Yourself a Break
Thanks to its embedded expert knowledge and analytical sophistication, CreditXpert Detective does the heavy lifting for you so you don't have to examine every last detail of an applicant's credit files. And if an applicant wants to independently file a dispute, you can generate a personalized sample consumer dispute letter to make sure they have the right information.

Just the Way You Like It
CreditXpert Detective is flexible and works the way you want: use it to find all potential updates or just as many updates as you need to raise the score a specified amount. Choose rapid rescore mode or planning mode (includes the impact of 30 days passing) to tailor results to your situation.

Birchwood's CreditXpert Essentials

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.

Get the Best Bang for your Buck
Use CreditXpert Essentials to find the most cost-effective way to achieve a particular score increase, or the maximum score increase for a given amount of cash.

Know the Score
CreditXpert Essentials provides a detailed analysis that breaks down an applicant's credit and identifies the top positive and negative factors, as well as their related tradelines. Armed with this information, you can focus on what is important and avoid disrupting what is already working.

Tell it Like it is
Included are the definitive, easy-to-understand explanations that CreditXpert Inc. pioneered and refined in the consumer credit information industry, so you can quickly and accurately communicate with applicants.

Birchwood's What-If Simulator

Eliminate 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.

Look Before you Leap
CreditXpert What-If Simulator lets you see what is likely to happen before you take action. Use its predictive capabilities instead of relying on speculation, intuition, or luck.

Get Answers
Use CreditXpert What-If Simulator to safely test your options. Simulate combinations of your own actions and those identified by CreditXpert Detective™ and CreditXpert Essentials™. Find out if you can raise an applicant's score enough to qualify for an approval or a better rate, so you can make compelling offers and leave your competitors in the dust.

Choose your Destiny
CreditXpert What-If Simulator adapts to your needs. Use the rapid rescore mode to mirror the actions available in rapid rescoring services, or use the planning mode to see what the future holds. Planning can help applicants avoid potential missteps before their closing, identify refinance leads, and set declines on a path to recovery.

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Call 800-910-0015 today for more information