How to Remove CRDT First From Your Credit Report


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.

What is CRDT First?

CRDT First represents a specific code on a credit report that corresponds to the Credit First National Association, commonly referred to as CFNA. Credit First National Association is a financial institution that specializes in issuing credit cards for various automotive brands and retailers.

Notable partnerships include industry leaders such as Bridgestone, Firestone, Tire Rack, and Tires Plus. When you encounter the term CRDT First on your credit documentation, it’s an indication of CFNA’s involvement.

Why is CRDT First on my credit report?

If you notice CRDT First appearing on your credit report, it typically means you have had recent interactions with CFNA. One of the most common reasons is the application for a credit card affiliated with the aforementioned automotive companies.

When you submit an application, CFNA conducts a credit check to assess your creditworthiness. When this is done, a hard inquiry is recorded on your credit report, and CRDT First is used as an identifier for this specific check.

Understanding Credit Inquiries

When it comes to your credit, there are two types of inquiries. It’s essential to know the difference, 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. A hard inquiry can be recorded by one or all of the three major credit bureaus: 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 National Association to inquire about the nature of the inquiry.

Credit First National Association 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 company like Credit Saint. They specialize in removing inquiries and other inaccurate negative items from credit reports and have extensive experience in this field.

They 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 poor credit and want to learn more about improving your credit, consider a free credit consultation with Credit Saint. 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.

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Meet the author

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.