How to Remove CRDT First From Your Credit Report

Is CRDT First hurting your credit score?

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

What is CRDT First?

CRDT First is a credit report code associated with Credit First National Association (CFNA), a credit card issuer for automotive companies like Bridgestone, Firestone, Tire Rack, and Tires Plus. When you apply for a credit card issued by CFNA, you may see CRDT First listed on your credit report as a hard inquiry.

Understanding Hard and Soft Inquiries

It’s essential to know the difference between hard and soft inquiries, as they have different impacts on your credit report and score.

Hard Inquiries: Impact on Your Credit Score

A hard inquiry occurs when you apply for new credit, and the lender or creditor performs a credit check. Hard inquiries can lower your credit score by a few points, but if you have too many in a short period, they can significantly damage your score. Examples of hard inquiries include applications for mortgages, apartments, car loans, credit cards, insurance policies, cell phones, and sometimes job applications.

Soft Inquiries: No Impact on Your Credit Score

Soft inquiries typically occur when a company checks your credit history as part of a background check or prequalification process. They can also result from existing creditors reviewing your current credit situation. Soft inquiries do not impact your credit score and are not visible to other potential lenders or creditors.

How long do hard inquiries stay on your credit report?

Regardless of whether your credit card application is approved, the hard inquiry from CRDT First will remain on your credit report for up to two years. Hard inquiries are recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Addressing Unauthorized Inquiries

If you find a CRDT First hard inquiry on your credit report that you don’t recognize or believe to be unauthorized, it’s essential to take action. Begin by contacting Credit First to inquire about the nature of the inquiry.

CFNA Contact Information


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 a CRDT First hard inquiry should not be on your credit report, consider seeking assistance from a credit repair service like Lexington Law. They specialize in removing inquiries and other negative items from credit reports and have extensive experience in this field.

Lexington Law can help you dispute and potentially remove various negative items, such as late payments, collections, charge-offs, and more.

Improve Your Credit Today

If you’re struggling with a low credit score and want to learn more about improving your credit, consider a free credit consultation with Lexington Law. 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.

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.