Credit and Reporting
Frequently Asked Questions
Got questions? We have answers. Find answers to frequently asked questions about our credit and reporting below.
Credit Bureaus
What are the three credit bureaus?
Which credit bureau is most important?
How often do credit bureaus update?
American First Finance + Credit Reporting
Does American First Finance report to credit bureaus?
What credit bureaus does American First Finance report to?
Does American First Finance do a soft credit or hard credit check?
Does American First Finance help your credit score?
I missed a payment; can you make a courtesy adjustment and remove it from my credit report?
American First Finance + Credit Scores
What is a credit check?
What does “No Credit Needed^” mean?
Does American First Finance check credit?
How can I get a copy of my credit report?
What are American First Finance’s credit score requirements?
How does American First Finance decide if you qualify for credit?
Can I still be approved if I have bad credit?
Can I be approved with no credit history?
Credit Bureau + Credit Management
How do I report identity theft to the credit bureaus?
How do I file a dispute with a credit bureau?
How do I confirm my credit dispute is resolved?
How do I update incorrect credit bureau information?
TransUnion Consumer Solutions
Clarity Services, Inc., A part of Experian Consumer Support Division
DataX, an Equifax Company, Consumer Reporting Division
*American First Finance reports to the credit bureaus for all accounts except for new lease-to-own accounts opened on or after January 1st, 2024. Additionally, new Retail Installment Sale Agreements will no longer report to Data X. American First Finance will continue to report to credit bureaus for any accounts opened before this day that were previously reported on. This change does not impact AZ, CA, and FL, given that credit reporting for lease-to-own accounts opened in these states was previously discontinued.
^ Approval is possible without a credit score, but credit may be checked.