How to Remove FIA CSNA From Your Credit Report

If you’ve spotted “FIA CSNA” on your credit report, it likely ties back to a Bank of America credit card. But depending on how it’s listed, it could mean different things—ranging from a simple inquiry to a collection account.

Let’s break down what FIA CSNA is and how to deal with it if it’s hurting your credit.

What Is FIA CSNA?

FIA CSNA stands for Financial Institute of America – Credit Services North America. It’s a division of Bank of America that manages credit card operations. You may also recognize the name MBNA (Maryland Bank, N.A), which merged with Bank of America years ago and became part of what’s now known as FIA CSNA.

If you’ve ever applied for or held a Bank of America credit card, you might see FIA CSNA listed on your credit report.

Why FIA CSNA Appears on Your Credit Report

There are two main reasons FIA CSNA might show up on your credit report:

• Hard inquiry – If you applied for a personal or business credit card through Bank of America, a hard inquiry from FIA CSNA may appear under the “Inquiries” section.
• Collection account – If you defaulted on a Bank of America credit card, FIA CSNA could appear under “Collections,” indicating the debt was sent to collections.

How Hard Inquiries Affect Your Credit

Hard inquiries can lower your credit score slightly—usually just a few points. But if you rack up several in a short time, the impact can grow. Most lenders see multiple inquiries as a red flag that you’re taking on too much credit at once.

If the FIA CSNA inquiry is legitimate, it will stay on your credit report for up to two years. Over time, it matters less and eventually stops affecting your credit score.

What to Do About Unauthorized FIA CSNA Inquiries

If you don’t recognize an FIA CSNA inquiry, don’t ignore it. It could be a sign of identity theft or a reporting error.

Here’s what to do:

1. Call Bank of America to ask for details on the inquiry.
2. Check all three credit bureaus (Equifax, Experian, and TransUnion) to see where the inquiry is showing up.
3. File a dispute with each credit bureau if the inquiry was not authorized.
4. Monitor your credit moving forward to catch any other suspicious activity.

Dealing With FIA CSNA Collection Accounts

If FIA CSNA appears as a collection account, the damage to your credit score could be more severe than a hard inquiry. Collection accounts can significantly lower your credit score and make it harder to qualify for new credit or loans.

Start by verifying the debt. If it’s not accurate—or you believe your rights were violated—you can dispute the item with the credit bureaus.

Need Help Removing FIA CSNA?

If handling credit disputes on your own feels overwhelming, or if you’re facing multiple negative items on your credit report, a credit repair service may be worth considering.

Credit Saint is one of the top-rated credit repair companies in the country. They’ve helped thousands of people remove inaccurate or harmful items—including those tied to FIA CSNA—from their credit reports. They even offer a 90-day money-back guarantee to give you confidence as you get started.

Ready to take control of your credit? Visit their website to schedule your free consultation and find out how they can help you move forward.