Credit bureau · complaint record
First Credit Finance complaints
Consumers have filed 24 complaints about First Credit Finance since 2017, 6 of them in the last 12 months. It answered 83.3% on time and closed 0% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 24
- Last 12 months
- 6
- Answered on time
- 83.3%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #239 of 566
Since February 2017
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jun 1, 2026
Most complained-about credit bureaus & report companies
First Credit Finance complaints by month
The busiest month was October 2024 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How First Credit Finance answered all time
- Closed with explanation2395.8%
- Closed14.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What First Credit Finance complaints are about
Top First Credit Finance problems
Inside "Improper use of your report"
- Reporting company used your report improperly 4
Where First Credit Finance complaints come from
Most complaints: California (16), Texas (4), Florida (2), Georgia (1).
First Credit Finance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | First Credit FinanceCredit reporting | - | 6 | - |
Compare side by side: First Credit Finance vs Apple Financing · First Credit Finance vs Nav Technologies · First Credit Finance vs Opportunity Fund · First Credit Finance vs Heritage Financial Group
What people say about First Credit Finance
All experiencesNo experiences with First Credit Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest First Credit Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 14, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jan 12, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 24, 2025 | Auto loans & leases | Getting a loan or leaseDid not receive car title | Explained |
| Jun 30, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Mar 31, 2025 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Oct 21, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 13, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jun 4, 2024 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| May 18, 2024 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
Questions about First Credit Finance
How many complaints does First Credit Finance have?
First Credit Finance has 24 complaints on record since February 2017, including 6 in the last 12 months and 0 in the last 30 days. That makes it number 1,757 of every company by complaints this year.
Does First Credit Finance respond to complaints?
Yes. First Credit Finance answered 83.3% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with First Credit Finance?
The most common problems are improper use of your report (4), incorrect information on your report (4), attempts to collect debt not owed (2).
Is First Credit Finance legit?
First Credit Finance is a real company with a public complaint record: consumers have complained about it 24 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is First Credit Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against First Credit Finance?
Complain to First Credit Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most First Credit Finance complaints come from?
Most come from California (16), Texas (4), Florida (2). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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