Frequently Asked Questions
What Is a Credit Check?
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.
What information do you send to the credit reporting agencies?
We send a range of account information, including but not limited to account balance, scheduled payment, payment history, and account status.
My credit score is lower than I expected.
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.
I missed a payment; can you make a courtesy adjustment and remove it from my credit report?
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.
Why does American First Finance report my account as ‘closed’ after I paid it off in full?
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.
How do I report incorrect information on my credit report?
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 the credit reporting agencies. You can visit their website or call them directly and include the following items in your dispute communication:
You can request and review your free report through one of the following ways: