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Consumer Mail
*Note all mail regarding payments, approvals, or credit disputes should be directed here: P.O. Box 565848 Dallas, TX 75356
A: “No Credit Needed” means that you may be approved for financing or leasing without a credit score or credit history. Applicants with poor, or even no credit, may be approved, but credit is checked as part of the application process. Your credit score is not the sole consideration for qualification. You are invited to apply, no matter what your credit history is!
A: A typical credit check is when American First Finance or another company views your history of credit, other accounts, and credit score with a consumer reporting agency, also known as a credit bureau.
A: Yes, unless you have already applied through American First Finance within the past 30 days. When you apply for a product, American First Finance may check your credit using a hard credit inquiry (also known as a “hard credit pull”), which may influence your credit score. A hard inquiry occurs when a company with whom you have applied for reviews your credit report, history of applying for credit, payment history, and your credit score as part of their decision-making process.
A: The FinWise Bank installment loan is an installment loan originated by FinWise Bank and serviced by American First Finance. Because American First Finance services FinWise Bank installment loans, please contact American First Finance regarding any questions about your FinWise Bank installment loan.
A: American First Finance reports to TransUnion, Data X, Ltd., and Clarity Services, Inc.
A: We send a range of account information, including but not limited to account balance, scheduled payment, payment history, and account status.
A: Customer account history is reported to credit bureaus on a monthly basis and may take up to approximately 45 days to reflect on your credit report.
A: American First Finance reports all payment history details to select credit reporting agencies no less than once (1) per month. This may take approximately 45 days to reflect on your credit report.
A: A free copy of your credit report is available annually at www.annualcreditreport.com.
A: There could be multiple factors impacting your credit score, some of which may be entirely unrelated to activity through American First Finance. American First Finance reports account information accurately to the credit reporting agencies and is not a credit reporting agency itself. For more information, please contact the involved credit reporting agency directly.
A: No. American First Finance reports accounts accurately and according to regulatory requirements. The information we report is required to be complete and accurate. Accordingly, we will not modify accurate credit reporting as a courtesy.
A: American First Finance is required to report accounts that are paid off in full as ‘closed/paid in full.’ For example, an installment loan is a type of credit account which is considered ‘closed’ when repaid in full.
A: If you believe that any information contained in your credit report is not accurate, you may dispute it and request that the information is reviewed for accuracy. Contact the appropriate credit bureau immediately to report incorrect information. You may also notify American First Finance.
A: If you believe that any information contained in your credit report is incomplete or inaccurate, an easy way to file your dispute is online through credit reporting agencies.
Read our Frequently Asked Questions for quick answers to popular inquiries. If you’re still unable to find the information you need, please submit your question below or email us at info@americanfirstfinance.com.
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