What does CREDIT FIRST N A mean on my credit report?

Is CREDIT FIRST N A making an impact on your credit score?

Updated January 1, 2023
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What is CREDIT FIRST N A?

CREDIT FIRST N A is shorthand for Credit First National Association, with the company name being Credit First National Association Inc

Credit cards available from Canadian Funds of Canada, the Automotive Card provide minimum monthly payments required. APR: 28.8%/variable interest rate.

CREDIT FIRST N A is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Credit First National Association.

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

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

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney
  • ⚫ Charge Account

How do I contact them?

Here is the current contact details for Credit First National Association:

Address:

  • BK-11/Customer Service P.O. Box 81315 Cleveland, OH 44181-0315

Website:

Phone:

Payments

To make a payment, you can do it online, over the phone, or using a mobile app. You can also use a prepaid debit card, wire transfer, or a check or money order. If you choose to do a monthly payment plan, there may be a discount for automatic payments. There are penalties for late or missed payments.

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? No
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

There are three main types of student loans in the United States: Federal Perkins Loans, Direct Subsidized Loans, and Direct Unsubsidized Loans. Each type of loan has different terms and conditions, including interest rates, fees, and repayment options. Most federal student loans are eligible for loan consolidation, which can simplify repayment by combining multiple loans into a single monthly payment. Loan forgiveness is available for certain types of loans, such as Perkins Loans, after meeting certain conditions such as working in a public service job for a certain number of years.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

you can apply for a loan online, over the phone, or in person. You may also be able to apply for a loan using a mobile app. You may need a cosigner for some loans.

Question Answer
Can I apply for a loan online? No
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? No
Can I apply for a loan with a cosigner? No

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

CREDIT FIRST N A 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 CREDIT FIRST N A 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.