What is CRDT First?
CRDT First represents a specific code on a credit report that corresponds to the Credit First National Association, commonly referred to as CFNA. Credit First National Association is a financial institution that specializes in issuing credit cards for various automotive brands and retailers.
CFNA partners with well-known names such as Bridgestone, Firestone, Tire Rack, and Tires Plus, among others.
Why CRDT First Appears on Your Credit Report
If CRDT First appears on your credit report, it generally means that you have applied for a credit card through CFNA. This typically happens when you apply for financing related to automotive purchases or services at one of CFNA’s partner companies. The presence of this code on your report indicates that CFNA has conducted a credit check to evaluate your eligibility for the credit card.
The Impact of Hard Inquiries Like CRDT First
A hard inquiry occurs when you apply for new credit, and the lender checks your credit report to assess your creditworthiness. While a single hard inquiry might only cause a slight drop in your credit score, multiple hard inquiries within a short period can have a more significant impact.
Hard inquiries, including those from CRDT First, remain on your credit report for up to two years and are recorded by all three major credit bureaus: Equifax, Experian, and TransUnion.
How to Address Unauthorized CRDT First Inquiries
If you find a hard inquiry from CRDT First on your credit report that you do not recognize, it’s important to address the issue. This could be an indication of identity theft or a clerical error. Start by contacting Credit First National Association to clarify the nature of the inquiry and determine whether it was authorized.
Credit First National Association Contact Information
Address:
Credit First National Association
6275 Eastland Rd
Cleveland, OH 44142
Phone number: (800) 321-3950
Removing CRDT First from Your Credit Report
If you believe that the CRDT First hard inquiry on your credit report is unauthorized or incorrect, consider seeking assistance from a credit repair company like Credit Saint. These companies specialize in disputing and potentially removing negative items from credit reports, including hard inquiries, late payments, collections, charge-offs, and more.
Improve Your Credit Today
If you’re struggling with poor credit and want to learn more about improving your credit, consider a free credit consultation with Credit Saint. They have helped countless individuals in similar situations and can provide valuable guidance on your credit journey.
Visit their website and complete the form to see how they can assist you in repairing and rebuilding your credit.
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