What is FIA CSNA?
FIA CSNA stands for Financial Institute of America – Credit Services North America. FIA Card Services is a wholly-owned subsidiary of Bank of America Corporation (BAC). FIA Card Services was founded as MBNA (Maryland Bank, N.A, a subsidiary of Maryland National Bank) but later MBNA merged with Bank of America.
FIA Card Services, N.A. or FIA CSNA may be on your credit report as a hard inquiry if it’s listed under ‘Inquiries’. This happens when you apply for a personal or business credit card with Bank of America.
If FIA CSNA is listed under ‘Collections’, then it’s a collection account which means you probably defaulted on a Bank of America credit card.
FIA CSNA Hard Inquiries
Hard inquiries on your credit report will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.
How long do hard inquiries stay on your credit report?
Hard inquiries can remain on your credit report for up to 2 years. Each time an inquiry is made, it is recorded by one or all of the three major credit reporting agencies – Equifax, Experian, and TransUnion.
Unauthorized Inquiries
If you don’t recognize the inquiry or you are sure you didn’t make the inquiry, contact the creditor and ask them why they made an inquiry. The creditor’s name should be listed under the hard inquiry section on your credit report.
Can FIA Card Services be removed from my credit report?
Lexington Law specializes in removing inquiries and other negative marks on your credit report. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- collections
- charge offs
- foreclosures
- repossessions
- judgments
- liens
- bankruptcies
Get Your Inquiries Removed Today!
If you’re looking for a reputable company to help you repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. Paralegals are standing by waiting to take your call.