First Consumer Credit is a division of U.S. Home Systems, which is engaged in two lines of business, the home improvement business and the consumer finance business. The company s home improvement business is involved in the manufacturing or procurement, design, selling and installing of custom specialty home improvement products. Its products are marketed under a number of nationally recognized brands, such as The Home Depot Kitchen and Bathroom Refacing, The Home Depot Installed Decks, Century 21 Home Improvements, Century 21 Cabinet Refacing and Facelifters. The company s interior products segment includes kitchen and bathroom cabinetry, cabinet refacing products and countertops. Its exterior products segment products include wood decks and related accessories. The company s consumer finance business purchases retail installment obligations from residential remodeling contractors throughout the United States. U.S. Home Systems is headquartered in Lewisville, Texas. First Consumer Credit has a location in Lewisville, as well.