How to Remove CRDT First From Your Credit Report

Updated

Is CRDT First hurting your credit score?

Credit Saint has successfully assisted countless clients in removing inaccurate and questionable credit inquiries from their credit reports.

Seeing CRDT First on your credit report can raise questions—especially if you don’t remember applying for anything. Here’s what it means, how it affects your credit score, and what to do if it doesn’t belong there.

What CRDT First Means on Your Credit Report

CRDT First is the code used when Credit First National Association (CFNA) runs a credit check. CFNA issues credit cards for auto-related retailers and service providers. If you applied for a store-branded card at one of their partners, this inquiry is likely tied to that application.

CFNA works with companies like:

  • Bridgestone
  • Firestone
  • Tire Rack
  • Tires Plus

Applying for financing or a credit card through any of these can result in a hard inquiry labeled as CRDT First.

Why CRDT First Appears on Your Credit Report

When you apply for a credit card or financing with CFNA, the company pulls your credit report to assess your creditworthiness. This generates a hard inquiry, which appears on your credit file. Even if you applied in-store or online through a partner retailer, it still goes through CFNA.

How CRDT First Inquiries Affect Your Credit Score

A hard inquiry from CRDT First can lower your credit score slightly—typically by just a few points. While a single inquiry won’t hurt much, multiple inquiries within a short time can have a more noticeable impact. Lenders may view this as a sign of credit-seeking behavior, which could raise concerns.

If you’re planning to apply for additional loans or credit cards, it’s smart to limit new inquiries whenever possible.

How Long CRDT First Stays on Your Credit Report

A CRDT First hard inquiry will stay on your credit report for up to two years. It will be recorded by all three major credit bureaus: Equifax, Experian, and TransUnion.

The effect on your score lessens after about one year, but the entry remains visible to lenders until it automatically drops off at the 24-month mark.

What to Do if the CRDT First Inquiry Wasn’t Authorized

If you don’t recall applying for a CFNA credit product, or if you suspect identity theft, take immediate action:

  • Contact CFNA to ask for details about the application tied to the inquiry
  • Dispute the inquiry with Equifax, Experian, and TransUnion if it wasn’t authorized
  • Monitor your credit reports for any other unfamiliar entries

Credit First National Association Contact Information

Address:
Credit First National Association
6275 Eastland Rd
Cleveland, OH 44142

Phone number: (800) 321-3950

Can You Remove CRDT First From Your Credit Report?

If the inquiry is valid, it can’t be removed early. But if it was made without your permission or added in error, you have the right to dispute it. This process can be done on your own, or with help from professionals.

Credit repair companies like Credit Saint specialize in disputing inaccurate items, including:

  • Hard inquiries
  • Late payments
  • Collections
  • Charge-offs
  • Foreclosures
  • Repossessions
  • Bankruptcies

Take Control of Your Credit

If you’re dealing with negative items like CRDT First and want help cleaning up your credit, consider a free consultation with Credit Saint. They’ll review your credit situation and help you decide what steps to take next.

They even offer a 90-day money-back guarantee if you’re not satisfied. Visit their website and fill out the form to get started today.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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