What does FIRSTHERTG mean on my credit report?

Learn about FIRSTHERTG, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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FIRSTHERTG is shorthand for 1st Heritage Credit, with the company name being 1st Heritage Credit Inc

Since we operate as a community-based lender, lending decisions are made locally by branch managers who live, work and serve in the communities they manage. We are committed to offering a high quality employment and benefit package for our employees.

FIRSTHERTG 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 1st Heritage Credit.

  • ⚫ 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 1st Heritage Credit:


  • 605 Crescent Blvd., Ste 201 Ridgeland, MS 39157




1st Heritage Credit offers a variety of payment options to customers, including online payment, phone payment, and visiting a local branch. Customers can also sign up for automatic payments or e-statements to receive a discount. A convenience fee may apply for some payment methods. Additional services are also available through the website, such as exploring lending options or applying for loans.

Question Answer
Do they offer a monthly payment plan? Yes
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

1st Heritage Credit offers loan consolidation services to help customers consolidate their debt into one monthly payment. Customers can apply for loan consolidation services online or by calling 1-800-749-9773. To qualify for loan forgiveness at 1st Heritage Credit, customers must fill out an online application. Customers must also agree to allow the company to investigate their credit and employment history before submitting a loan application. Depending on the applicant’s state of residence, they may be required to furnish information about their spouse if they are contractually liable for the loan. Additionally, customers may be able to pre-qualify for a loan by clicking on “Get Pre-Qualified!”, but the loan is subject to the lender’s normal lending criteria. For further details regarding loan forgiveness and other legal and privacy policies, customers can visit the 1st Heritage Credit website.

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

How to Apply

It is possible to apply for a loan with 1st Heritage Credit using their website or mobile app. Customers can pre-qualify for a loan and further investigate their credit and employment history. They must read and agree to the Notices and Disclosures relating to the application, select a loan type (individual or joint) and purpose, and choose a branch location for the loan. First Heritage Credit does not offer mortgage loans.

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

SmartCredit Report Example

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

FIRSTHERTG SmartCredit 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 FIRSTHERTG 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.