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:
- 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
- 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
- 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
- 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
- Toyota of Tampa Bay
- Tire Works Total Car Care
- Virginia Tire & Auto
- Wilhelm Automotive
- Ted Wiens Complete Auto Service
- Wheel Works
Understanding Hard and Soft Inquiries
Hard credit inquiries occur when you apply for new credit, such as a mortgage, car loan, insurance policy, credit card, or even an apartment, cell phone plan, or certain job positions. The lender or creditor runs a credit check, which results in a hard inquiry on your report.
Although a single hard inquiry might only slightly lower your credit score, having too many in a short period can accumulate and negatively impact your score.
Soft inquiries usually happen when a company checks your credit history during a background check or when a lender or credit card issuer checks your credit to prequalify you for an offer. Existing creditors may also conduct soft inquiries to monitor your current credit situation. Unlike hard inquiries, soft inquiries do not affect your credit scores.
How long do hard inquiries stay on your credit report?
Hard inquiries can stay on your credit report for up to two years. These inquiries are recorded by one or more of the three major credit reporting agencies: Equifax, Experian, and TransUnion.
Handling Unauthorized Inquiries
If you find an unfamiliar inquiry or are sure that you didn’t authorize it, contact Credit First National Association and ask for an explanation. 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
Removing CFNA from Your Credit Report
Credit repair companies like Credit Saint are experts in removing inquiries and other negative items from your credit report. They can help you dispute and potentially remove various items, including:
- late payments
- charge offs
Take Steps to Repair Your Credit
If you’re struggling with bad credit and want to learn more about your options, consider a free credit consultation with Credit Saint. They have a proven track record of helping people in similar situations and can guide you through the process.
Visit their website and fill out the form to see how they can assist you in improving your credit health.
Ready to Raise Your Credit Score?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.