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CFNA: What Is It And How To Remove From My Credit Report

Written by Mike Pearson
Updated August 9, 2022

Seeing unknown codes and labels on a credit report can be scary. If you see CFNA written on your credit report, there is no need to panic, as it’s usually harmless. However, in some instances, it can signal identity theft.

We’ll tell you everything you need to know about CFNA credit reports. We’ll include the companies to which it’s linked, why it may be on your credit report, how it can affect your credit score, and if it’s a scam. Finally, if you think it should not be on your credit report, we’ll walk you through removing it so you can be sure your finances are safe.

What Is CFNA

CFNA stands for Credit First National Association. CFNA is a private credit card bank headquartered in Brook Park, Ohio, and part of the Bridgestone Americas corporation. CFNA represents its entire consumer credit division. 

We’ll go into more detail about the basics of CFNA, including discussing the companies who use it, if it’s a scam, if it can affect your credit score, and why it may be on your credit report.

Who Uses CFNA

Credit First National Association is utilized by all companies associated with the Bridgestone Americas corporation, including companies such as Bridgestone, Wheel Works, Tires Plus, and Firestone Complete Auto Care.

CFNA issues its credit cards to be used at a specific business. For example, many of the CFNA businesses sell tires and automobile servicing. If you signed up for a credit card with the business, you would use it to buy tires and tune-ups for your car with them. 

If you have a credit card with any of these companies, CFNA issued your card. There are also other credit cards under the CFNA credit report umbrella. You can check here to see if your card is part of their bank. Some of these cards are issued locally, while others are issued nationally.

Reasons CFNA Is On Your Credit Report

There are many reasons why a credit card company may appear on your credit report. But, most of the time, it is not a cause for panic unless it is due to error or fraud. 

Here are a few reasons why you may see CFNA on your credit report:

  • You have or used to have a card or account affiliated with CFNA bank
  • CFNA has recently performed a formal check of your credit
  • You recently applied for a CFNA credit card

Having a card or account with CFNA is self-explanatory, as all credit cards and accounts appear on your report. All information about cards and accounts from up to ten years, including if someone else listed you as an authorized user on their account, stays on a credit report.

So, if you had a card from CFNA many years ago or were previously authorized to use a spouse or parent’s CFNA card, it may still appear on your report, which is true even if you cancel the card. 

If CFNA recently inquired about you, meaning they formally pulled your credit report, this may also be why you see them on your credit report. Your credit report lists all inquiries from companies. 

Suppose you recently applied for a credit card with CFNA. In that case, it may be visible on your credit report, which is most likely to occur if they inquire about your credit report to ensure you are a responsible borrower or were recently approved for a credit card.

If none of these circumstances apply to you, you may be a victim of a scam, such as credit card fraud. We will go over more about credit card scams in the next section.

Can CFNA Affect Credit Score

As mentioned earlier, CFNA is a company that issues credit cards. Naturally, having a credit card with them will affect your credit score somehow. Your credit score can be affected positively or negatively, depending on how you use your card.

You should be diligent about paying off your CFNA bill on time and keeping your monthly balances low. Possessing a CFNA credit card will likely improve your credit score if this is the case.

However, having a credit card from CFNA with many charges and debt will likely lower your credit score. Excessive charges and debt will hinder your credit report.

If you open up a card with CFNA when you have a thin credit history, it can help you thicken your credit history. If you are diligent about paying it off, it will show that you are a responsible borrower, which will also help your credit score in the long run.

Be careful with this practice, though, as you do not want to open up a credit card you will never use or that you will forget that you opened. Creating random credit accounts is not an ideal way to raise your credit score in the long run.

For example, opening a credit card with a CFNA-affiliated company, like Bridgestone or Firestone, may benefit you if you frequent one of these companies for car maintenance. 

The card may give you benefits with the company and will help you raise your credit score if you pay off your credit card bill on time.

Sometimes, a company running an inquiry on your account can lower your credit score slightly. For example, if you applied for a credit card with CFNA and they ran an inquiry to check if you would be a responsible borrower, it may have slightly affected your credit score.

Is CFNA a Scam

CFNA credit reports is a legitimate credit agency. There are circumstances where it is entirely normal that they appear on your credit report.

These circumstances are:

  • If you have an account open with them 
  • If you have applied for one of their cards
  •  If you had your account checked by them 
  • If someone else listed you on their CFNA credit report account

If you have no affiliation with the company and still see CFNA on your credit report, you may be a victim of credit card fraud. 

Fraudulent activity is not a scam affiliated with the CFNA company, but it is still serious, and you should handle it immediately. 

If you believe you are a victim of credit card fraud, you should: 

  • Double-check all accounts 
  • Place a fraud alert through one of the three major credit bureaus 
  • Freeze your accounts, 
  • Report the scam to the FTC 
  • File a dispute.

Reporting credit card fraud to the FTC is one of the most vital steps to resolve it. “FTC” stands for Federal Trade Commission. It is a government agency that is in charge of protecting people against fraud.

The FTC should give you the information you need to file your dispute for identity theft. However, not all credit report errors are a result of identity theft. If this is the case, you don’t have to go to the FTC and can jump to filing a dispute.

The upcoming section will cover removing CFNA from your credit reports if you believe it was mistakenly put there through an error and not fraudulent activity. We’ll tell you how to file a dispute to remedy non-fraudulent mistakes.

How To Remove CFNA From Credit Reports

If you see CFNA written on credit reports, you don’t believe you have any accounts or affiliations with Credit First National Association, and you don’t think you’re a victim of a scam, you may want to file a dispute to fix a possible error.

We already discussed what to do if you believe fraudulent activity caused CFNA to be on your credit report. To reiterate, you must report the fraud to the FTC, but you may also want to freeze your accounts and report the incident to your credit bureau.

The following sections will cover how to file a dispute. We’ll also give you information on checking your credit reports in the future.

Filing a Dispute

To file a dispute, you must contact the company that provided the incorrect information and the credit reporting agency. In this case, you would want to reach out to CFNA and the credit reporting agency you used.

You can always call their customer service line to dispute information that CFNA provided to your credit report. However, you may be better off sending them a letter that details the misinformation. A letter is more effective at ensuring you have organized the details of the dispute.

For credit reporting agencies, you have the option to call, but many allow you to complete a letter of dispute online or send it through the mail.

When calling or writing a letter of dispute, be sure to be very precise and detailed. Detail what you think is wrong in the report and why you believe the information is incorrect. Be sure to include a copy of the credit report with the error so they can check it themselves. 

Other information you should include, if available, are dates and confirmation numbers, which can help the companies track down any system errors.

In addition to providing complete information, you should also be sure to include your name and any relevant contact information, such as a home address, phone number, and email address. 

After you make the report, your credit reporting company will likely begin an investigation of your claim if it believes it is legitimate. If they find there were, in fact, inaccuracies in your credit report, they will change it.

If you believe that CFNA was listed in your credit report due to some sort of error, this information will hopefully help you receive a more accurate credit report.

Checking Future Credit Reports

If you found an error in your credit report, you likely want to ensure that it won’t happen in the future.

It is crucial to avoid situations that could lead to someone stealing your credit card information and committing fraud. Unfortunately, there is not much else you can do to prevent future errors.

You can look out for mistakes by checking free credit reports. If you’re looking out for these errors, you are more likely to catch them before they become a hindrance to you or become hard to fix.

Conclusion

Credit First National Association is a legitimate and safe company. If they are listed on your credit report, it is most likely because you have or used to have a credit card with them, or they performed an inquiry on you.

However, if you believe your report listed them by mistake, it is likely due to fraud or error and must be reported on the FTC or disputed with CFNA and the reporting company.

Hopefully, this information has helped you discover why CFNA may appear on your credit report. If you found that there was a mistake, we hope we have helped you begin to amend it.

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Mike Pearson


Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.