How to Remove CFNA From Your Credit Report

If you’ve noticed “CFNA” on your credit report, you might be wondering what it is—and whether it’s helping or hurting your credit score.

CFNA stands for Credit First National Association. It’s a bank that issues private label credit cards, mostly for automotive retailers and dealerships across the country.

Why CFNA Shows Up on Your Credit Report

CFNA usually appears on your credit report after you apply for one of its co-branded credit cards. That application triggers a hard inquiry, which can lower your credit score by a few points. While a single hard inquiry isn’t a big deal, several in a short time can add up and do more damage.

Which Companies Work With CFNA?

Credit First National Association partners with dozens of businesses to offer branded credit cards for auto-related purchases. These cards are often used for repairs, parts, and services.

Here’s a list of retailers and service centers that issue CFNA credit cards:

If you’ve applied for a credit card with any of these businesses, that’s why CFNA is on your credit report.

How Long CFNA Inquiries Stay on Your Credit Report

Hard inquiries stay on your credit report for up to two years. While they can impact your credit score, the effect lessens over time and is usually small—especially if you have strong credit otherwise.

What to Do About Unauthorized CFNA Inquiries

If you see a CFNA hard inquiry but didn’t apply for credit, it could be a mistake—or worse, identity theft.

Here’s what to do:

1. Call CFNA to ask about the inquiry.
2. Dispute the item with each credit bureau that shows it.
3. File an identity theft report if necessary.

Credit First National Association Contact Info

• Mailing address:
  Credit First National Association
  P.O. Box 81315
  Cleveland, OH 44181-0315
• Phone number: (800) 321-3950

Can You Remove CFNA From Your Credit Report?

If the CFNA inquiry is accurate, it usually can’t be removed unless it’s older than two years. But if it’s inaccurate—or if you’re dealing with other negative marks on your credit report—you do have options.

Credit repair companies like Credit Saint can help challenge inaccurate entries on your credit report, including:

• late payments
• collections
• charge-offs
• repossessions
• bankruptcies
• foreclosures

Want Help Fixing Your Credit?

If CFNA is just one of many credit issues you’re dealing with, it may be time to get expert help. Credit Saint offers free consultations and has helped thousands of people improve their credit over the years. They even back their service with a 90-day money-back guarantee for extra peace of mind.

Ready to take the next step? Visit their website to see what they can do for you.