What does 1ST TX AUTO mean on my credit report?
Learn about 1ST TX AUTO, an auto s offering loans for financial assistance. Check the impact to your credit report and financial status.
What is 1ST TX AUTO?
1ST TX AUTO is shorthand for First Texas Auto Credit
, with the company name being First Texas Auto Credit LLC
1ST TX AUTO is a Auto Loans
provider. They could be on your report for a number of reasons, for example:
-
⚫ You missed a repayment.
-
⚫ You opened an account with First Texas Auto Credit.
-
⚫ You opened a credit card / loan / mortgage with this company.
-
⚫ Someone fraudulently opened a credit line under your name.
About the account
-
⚫ The average high credit balance is $14000.
-
⚫ The typical loan duration is 28 months.
The account is classified under the following METRO2 categories:
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for First Texas Auto Credit:
Address:
- 635 Fritz Dr #210, Coppell, TX 75019, United States
Website:
Phone:
Payments
First Texas Auto Credit offers multiple payment options, including a monthly payment plan. Customers have the option of paying online, with a mobile app, by phone, by mail, or in person. They report on-time payments to Equifax and TransUnion, which can help improve credit scores. Other resources are also available to help with credit score improvement, vehicle history reports, and more.
Question | Answer |
---|---|
Do they offer a monthly payment plan? | Yes |
Can I make payments over the phone? | Yes |
Can I make payments online? | Yes |
Can I make a payment using a mobile app? | Yes |
Can I make a payment using a prepaid debit card? | Yes |
Can I make a payment using a wire transfer? | Yes |
How to Apply
It is possible to apply for a loan with First Texas Auto Credit in a variety of ways, including online, over the phone, and in person. Additionally, they offer a mobile app and report to Equifax and Transunion, which gives customers the opportunity to build or improve their credit score.
Question | Answer |
---|---|
Can I apply for a loan online? | Yes |
Can I apply for a loan over a phone call? | Yes |
Can I apply for a loan in person? | Yes |
Can I apply for a loan using a mobile app? | Yes |
Can I apply for a loan with a cosigner? | Yes |
IdentityIQ Report Example
- This is an example of what this creditor will look like on your IdentityIQ report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others
.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments
, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
How do I remove 1ST TX AUTO from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.