How to Remove CFNA From Your Credit Report

What is CFNA?

CFNA stands for Credit First National Association. It’s a financial institution that specializes in providing customized credit solutions for consumers across the United States.

This private label credit card bank works closely with automotive dealerships and retailers, offering branded credit cards tailored to meet the specific needs of their customers. By partnering with various companies, CFNA aims to deliver accessible and convenient financing options for a range of automotive products and services.

Why is CFNA on my credit report?

CFNA may appear on your credit report as a hard inquiry if you’ve applied for a credit card affiliated with the association. Hard inquiries can cause a minor dip in your credit score, but multiple inquiries within a short period can lead to more significant damage.

Credit First National Association Branded Credit Cards

Credit First National Association provides consumer credit cards for automotive dealerships and retailers nationwide.

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

The Impact of CFNA Hard Inquiries on Your Credit Report

When you apply for a credit card affiliated with CFNA, the lender performs a hard inquiry on your credit report. This inquiry can slightly lower your credit score, particularly if you have several such inquiries within a short period. However, the impact of a single hard inquiry is generally minimal and tends to lessen over time.

How Long CFNA Inquiries Stay on Your Credit Report

Hard inquiries like those from CFNA typically stay on your credit report for up to two years. They are documented by one or more of the three major credit reporting agencies—Equifax, Experian, and TransUnion. As time passes, the impact of these inquiries on your credit score diminishes.

Handling Unauthorized CFNA Inquiries on Your Credit Report

If you notice an unfamiliar CFNA inquiry on your credit report, it’s essential to address it. Contact Credit First National Association to inquire about the source of the hard inquiry. If the inquiry was unauthorized, you could take steps to have it removed from your report.

Credit First National Association Contact Information

Address:

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

Phone number: (800) 321-3950

Removing CFNA from Your Credit Report

If you believe a CFNA inquiry or another negative item on your credit report is inaccurate, credit repair companies like Credit Saint can help. They specialize in disputing and potentially removing various negative items from credit reports, including:

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

Steps to Improve Your Credit Health

If you’re dealing with bad credit and want to explore your options, a free consultation with Credit Saint might be a good first step. They have a proven track record of helping individuals in similar situations improve their credit scores. Visit their website and fill out the consultation form to see how they can assist you in building a better financial future.

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