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What is CRDT First on My Credit Report?

Are you concerned about a new entry from CRDT First on your credit report?

If the name isn’t ringing any bells, you’ve come to the right place.

CRDT First is one of the credit reporting codes that represent the Credit First National Association.

They are a major issuer of credit cards and financing for the automotive industry.

If you applied for a recent credit card, it’s likely to blame for the inquiry on your report.

In the guide below, we’ll explain who CRDT First is, what hard inquiries mean for your credit, and how you may be able to get one removed.

CRDT First On My Credit Report

Credit First National Association is the financing branch of Bridgestone Americas, issuing credit cards for:

  • Wheel Works
  • Firestone Complete Auto Care
  • Tires Plus

Additionally, CFNA offers credit programs for over 8,000 automotive and tire stores nationwide.

Currently, more than 4.6 million consumers hold cards issued by Credit First.

If you applied for a credit card with any one of the tire or auto distributors that CFNA partners with, you opened yourself up to a hard inquiry.

Read on to learn how these inquiries can influence your score.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

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How Do Hard Inquiries Impact Your Credit Report?

Credit inquiries come in two different categories: hard and soft credit checks.

They differ in a few key ways, starting with what prompts them:

  • Soft Credit Check: Occurs when you check your score, get pre-approval for a loan/card, or get screened for a job or new home rental.
  • Hard Credit Check: Takes place when you apply for funding of some sort, whether it’s an installment loan, revolving line of credit, mortgage, or credit card.

The other key difference between the two entries is in the way they affect your credit. Soft pulls do not impact your score at all and may not even be included in your report.

Hard pulls, on the other hand, are added to your report and lower your score.

A hard inquiry lets a lender, in this case, Credit First National Association, access your credit report(s).

Your credit report can tell them a lot about how you manage credit cards and loans, aiding them in their decision of whether or not to approve you.

Fortunately, your score should only drop a couple of points, and the inquiry will only stay on your report for two years.

A few hard inquiries are nothing to stress about, as they’re a basic prerequisite for getting approved for new credit.

That being said, you shouldn’t go overboard applying for new cards and loans.

Multiple inquiries can add up, and having several on your report suggests you aren’t the most financially secure applicant.

Before applying for a new card or loan, take a moment to review its requirements and determine how likely you are to meet them.

How to Remove CRDT First from Your Credit Report

A hard inquiry isn’t a problem if you applied for a card from CRDT, but if you didn’t, the inquiry shouldn’t be on your report.

It could be a sign of identity theft or a simple error.

Regardless, here are a few tips to help you get a hard inquiry off your credit report.

File a Dispute with CFNA and the Credit Bureaus

Thanks to the Fair Credit Reporting Act, you have the right to dispute fraudulent inquiries on your credit report.

To do this, you’ll need to contact the credit bureaus who are displaying the hard inquiry on your reports.

But you should also dispute the entry with the business itself. We recommend calling or writing CFNA to get to the bottom of the inquiry.

They should be able to provide you with pertinent details regarding your account and the application that triggered the hard inquiry.

From there, you need to file a dispute with the bureaus, which you can do by speaking on the phone with a representative, mailing CFNA a letter of dispute, or submitting a dispute online.

You may want to opt for one of the latter two options, as they can provide you with documentation of your case.

Once you submit a dispute, the bureau has 30 days to investigate your claim.

If it’s clear that you didn’t do anything to warrant a hard inquiry from Credit First, it will be dropped from your credit report.

Prevent Further Identity Theft

If someone stole personal information like your date of birth or Social Security Number to apply for credit with CFNA, there’s a good chance they’ll do it again.

After disputing the entry, you should also:

  1. Freeze your credit reports
  2. Place a fraud alert on your reports

Track Your Credit

Another way to prevent identity theft and stop reporting errors in their tracks is to take advantage of credit monitoring software.

An app like Credit Karma or Credit Sesame can help you monitor your credit, free of charge.

They’ll provide you with insights into how to improve your score and pull the approval odds for various credit cards and loans that could benefit you.

More importantly, they’ll send you regular score updates and notify you as soon as any changes are detected on your credit report.

If something’s fishy, you can use the app’s resources to dispute it and protect your credit from future damage.

Get Assistance from a Credit Repair Company

Can you get an inaccurate inquiry deleted from your report on your own? Absolutely.

But if you don’t want to take the DIY approach, a credit repair company could be well worth the cost.

You’ll get one-on-service from credit experts who can do the legwork for you, disputing inaccuracies on your report so you don’t have to.

Chances are, a hard inquiry is the least of your credit concerns. If your credit report is plagued with more difficult credit issues, these services could be downright essential.

A credit repair company can assist you with some of the following problems:

If the thought of dealing with any of these issues makes you anxious, take a look at our picks for the best credit repair companies today.

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Getting CRDT First off Your Credit Report

Bottom line: If CRDT First is on your credit report without your consent, you should be able to get it removed using the advice above.

But if you did apply for a Credit First account, don’t sweat it. It can be defeating to see your score drop after you’ve worked hard to maintain it. But the effects of a hard inquiry are minimal.

In fact, it will be an afterthought two years from now. If you want to minimize the effects of hard inquiries in the future, though, remember to:

  • Monitor your credit so you can catch fraudulent entries fast.
  • Limit your applications for new credit, researching the approval odds first.
  • Apply for mortgages within a 14-day period so you aren’t hit with multiple inquiries.

And don’t forget that you have access to several top-tier credit repair companies if you need help taking your score to the next level, wherever it might be.


Meet the Experts’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers.

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