BBB Accredited Business since
Phone: (601) 898-8611 Fax: (601) 898-9696 605 Crescent Blvd Ste 101, Ridgeland, MS 39157
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A BBB Accredited Business since
BBB has determined that 1st Heritage Credit meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised the rating for 1st Heritage Credit include:
- Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to 3 complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
- BBB has sufficient background information on this business.
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||1|
|Total Closed Complaints||3|
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding
or registration. BBB encourages you to check with the appropriate agency to be certain
any requirements are currently being met.
These agencies may include:
Mississippi Department of Banking and Consumer Finance
P.O. Drawer 23729, Jackson MS 39225-3729
Phone Number: (601) 359-1031
The license number is 000351.
Type of Entity
Limited Liability Company (LLC)
Business ManagementMr. Jim Hill, President Mr. Ted O'Barr, Senior Vice President Ms. DeAnne Walberg, Treasurer
LOANS CONSUMER FINANCE & LOAN COMPANIES
Alternate Business NamesFirst Heritage Credit, LLC
605 Crescent Blvd Ste 101
Ridgeland, MS 39157 (601) 898-8611
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Complaint Trends - Last 3 Years
Customer Review Trends
BBB Customer Review Rating plus BBB Rating Overview
BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.
|Customer Review Experience||Value|
|Positive Review||5 points per review|
|Neutral Review||3 points per review|
|Negative Review||1 point per review|
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BBB Letter Grade Scale
Star Rating scale
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Problems with Product/Service
Read Complaint Details
Complaint: I AM FILING A COMPLAINT AGAINST THIS COMPANY DUE TO FAILURE TO CORRECT INACCURACIES ON MY CREDIT FILE AND COMMUNICATE WITH ME IN A PROFESSIONAL MANNERIN THE PAST I WAS A CUSTOMER WITH FIRST HERITAGE CREDIT. THERE WERE A FEW INACCURACIES AND INCORRECT INFORMATION REPORTED ON MY CREDIT FILE WHILE I WAS A CUSTOMER. I SPOKE WITH THE COMPANY MANAGER ON SEVERAL OCCASIONS IN AN EFFORT TO RESOLVE THIS, HOWEVER SHE WAS EXTREMELY RUDE AND RELUCTANT TO HEARING MY CONCERNS. BALANCES REPORTED TO THE CREDIT BUREAU WERE INCORRECT AND CAUSED MY SCORE TO GO DOWN IN THE PROCESS. I DISPUTED THIS INFORMATION SEVERAL TIMES AND THEY HAVE FAILED TO CORRECT IT. AT THIS TIME MY REPORT SHOWS ONLY ONE 30 DAY LATE PAYMENT RECORDED IN JUNE OF 2013, HOWEVER STATUS LANGUAGE READS 61-90 DAYS LATE. THIS IS HURTING MY SCORE AS I AM CURRENTLY IN THE PROCESS OF GETTING QUALIFIED TO PURCHASE A HOME. I HAVE PAID MY BALANCE IN FULL WITH THIS COMPANY AND THOUGHT IN EFFORT TO MAINTAIN POSITIVE RELATIONSHIPS THEY WOULD CORRECT THIS INFORMATION.
Desired Settlement: DesiredSettlementID: Other (requires explanation) I WOULD LIKE THE ACCOUNT TO BE REMOVED FROM THE FILE COMPLETELY OR LANGUAGE BE CORRECTED.
I have searched our data base under ******* ****** and ******* ******* and cannot locate this cusomter. I left several messages for the customer but have not received a response. Until I get more information, I cannot resolve this complaint. Please advise the customer to contact me at either;
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BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved