How to Remove CFNA From Your Credit Report

Is CFNA hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable credit inquiries from their credit reports.

CFNA stands for Credit First National Association.

CFNA may be on your credit report as a hard inquiry. This usually happens when you apply for a credit card.

Hard inquiries on your credit report will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.

Credit First National Association Branded Credit Cards

Credit First National Association provides consumercreditcardsfor automotive dealerships and retailers nationwide.

Here is a full list of the companies that Credit First National Association works with:

  • AutoPass for Car Dealerships
  • AutoPass for Tire & Service Centers
  • Bobby & Steve’s Auto World
  • Bridgestone Affiliated Retailer
  • Bosch Service
  • Bridgestone Firestone
  • Brandon Honda
  • Best-One Tire & Service
  • Burt Brothers Tire & Service
  • Bridgestone
  • BRAKEmax Car Care Centers
  • Chabill’s Tire
  • Commercial Tire
  • Dayton Tire and Auto Service Center
  • Driver’s Edge
  • Detroit Tire & Auto Service Center
  • Desert Rat Off Road Centers
  • Dunn Tire
  • Evans Tire
  • Firestone Complete Auto Care
  • Florida Automobile Dealers Association
  • 1stMILE
  • GCR Tires & Service
  • GoodGuys Tires & Auto Repair
  • Grismer Tire & Auto Service
  • Gateway Tire & Service Centers
  • Hibdon Tires Plus
  • Jack Furrier Tire & Auto Care
  • Louetta (Sun Devil and Sun Auto)
  • Lamb’s Tire
  • Modica Bros. Tire Centers
  • Bridgestone Affiliated Retailer – McCarthy Tire
  • Morgan Auto Group
  • Martin Tire Company
  • Northwest Tire
  • Perfection Tire and Auto Repair
  • Pugh’s Tire & Service Centers
  • Peerless Tire
  • Pomp’s Tire Service
  • Pueblo Tires & Service
  • Plaza Tire Service
  • Ramona Tire & Service Centers
  • RoadMart
  • Sun Devil Auto & Sun Auto Service
  • Southern Tire Mart
  • Tate Boys Tire & Service
  • Town Fair Tire
  • Tire Alliance Groupe
  • Tallman’s Tire and Auto Repair
  • Tires Plus
  • Tire-Rama
  • Toyota of Tampa Bay
  • Tire Works Total Car Care
  • Virginia Tire & Auto
  • Wilhelm Automotive
  • Ted Wiens Complete Auto Service
  • Wheel Works

What is a hard inquiry?

A hard inquiry occurs any time you apply for new credit and the lender or creditor runs a credit check. It can be for a mortgage, apartment, car loan, credit card, insurance policy, cell phone, and sometimes even a job application.

Hard inquiries will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.

What is a soft inquiry?

A soft inquiry typically occurs when a company checks your credit history as part of a background check. It can also happen when a credit card issuer or lender checks your credit to prequalify you for an offer. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation.

Soft inquiries do not have an impact on your credit scores.

How long do hard inquiries stay on your credit report?

Hard inquiries can remain on your credit report for up to two years. Each time you make an inquiry, it is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Unauthorized Inquiries

If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Credit First National Association and ask them why an inquiry was made. The creditor’s name should be listed under the hard inquiry section on your credit report.

Credit First National Association Contact Information


Credit First National Association
P.O. Box 81315
Cleveland, OH 44181-0315

Phone number: (800) 321-3950

Can CFNA be removed from my credit report?

Lexington Law specializes in removing inquiries and other negative marks on your credit report. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

They can also help you dispute (and possibly remove) the following items:

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

Get Your Inquiries Removed Today!

If you’re struggling with bad credit and want to learn more, consider a free credit consultation with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 to see what they can do for you.