What does 1ST NRTHN mean on my credit report?

Updated January 1, 2023

What is 1ST NRTHN?

1ST NRTHN is shorthand for First Baptist North Spartanburg, with the company name being First Baptist North Spartanburg Inc

Kids’ Stuff provides programmes for children of age 6 months to sixth grade, each child having their own class where they learn more about God’s word.

1ST NRTHN is a Church provider. They could be on your report for a number of reasons, for example:

• ⚫ You missed a repayment.

• ⚫ You opened an account with First Baptist North Spartanburg.

• ⚫ You opened a credit card / loan / mortgage with this company.

• ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for First Baptist North Spartanburg:

Address:

• 8740 Asheville Hwy, Spartanburg, SC 29316

Website:

• firstnorth.org

Email:

• webmaster@fbns.org

Phone:

Payments

You can make a payment for the Passion Experience online or at the church office. You can also call 864-578-0509 for assistance.First North accepts payment in the form of cash, checks and money orders. NAyou can make a payment using a mobile app. First North has provided a secure facility and allows adults and children to connect, grow and serve through Jesus Christ. The worship services are real, authentic, passionate and relevant, blending both traditional and modern styles. ABF classes meet at 10:00am and small groups meet throughout the week. Attire is business-casual.you can make a payment using a prepaid debit card.you can make a payment using a wire transfer.

Question	Answer
Do they offer a monthly payment plan?	No
Can I make payments over the phone?	Yes
Can I make payments online?	Yes
Do they offer a discount for automatic payments?	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

Forgiveness and Cancellation

First North does not offer loan consolidation or loan forgiveness. They offer worship services, bible study, small group meetings, and children and student ministry programs.

Question	Answer
Do they offer loan consolidation?	No

How to Apply

It is possible to apply for a loan online, over the phone, or in person. Mobile apps and cosigners may also be used in the loan application process. First North Church in Spartanburg, SC, however, does not allow loan applications over the phone or in person. They do offer programs and services that help people grow in their relationship with God.

Question	Answer
Can I apply for a loan online?	Yes
Can I apply for a loan over a phone call?	No
Can I apply for a loan in person?	No
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 NRTHN 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.

• Sample Equifax Dispute Letter
• Sample Experian Dispute Letter
• Sample TransUnion Dispute Letter