Credit Takeoff is reader-supported. Purchases made through links may earn a commission. Learn more >.

FNB Omaha: What Is It And How To Remove From Your Credit Report?

Written by Mike Pearson
Updated August 15, 2022

If you see FNB Omaha on your credit report, whether it has a positive or negative impact on your credit score, you may want to know what it is and how to eliminate it from your credit report.

FNB Omaha, also known as First National Bank Omaha, is an FNB of Nebraska subsidiary. As a result, FNB Omaha may appear on your credit record if you have applied for a credit card with them. Various methods are available to remove FNB Omaha, which include disputing it or consulting professionals.

While hard inquiries negatively influence your credit score, it’s still important to monitor these changes if you attempt to grow your credit, especially if they’re mistakes. Credit reporting errors occur, and deleting false hard inquiries from your report might assist you in keeping your credit in good condition. So let’s take a closer look at FNB Omaha and how to remove it from your credit report.

Who Is FNB Omaha?

First National Bank of Omaha or FNB Omaha Omaha is a First National of Nebraska subdivision. It is headquartered in Omaha, Nebraska, and provides corporate banking, retail banking, investment banking, consumer lending, and wealth management services. The bank has 109 locations in the Midwest.

The First National Bank of Omaha is a prominent bank providing a variety of personal and professional financial services and products, including:

  • Banking (online banking, checking account & savings account)
  • Credit Cards
  • Accounts for investment
  • Home mortgages
  • Car loans
  • Loans for individuals
  • Student loan consolidation
  • Wealth management
  • And more

FNB may operate in various industries, but they are most known for their credit cards. These credit cards range from cashback to marketing cards that may help you develop credit. In addition, this financial company provides genuine products to customers, making it one of the top private banks in the United States.

Is The Appearance Of FNB Omaha On My Credit Report Legit?

If you’ve seen a hard or soft inquiry from FNB Financial on your credit report, you may wonder if it’s legitimate or fraudulent. With that in mind, FNB Omaha is not a scam or a debt collector.

The Omaha-based bank has almost 160 years of experience, is a subsidiary of FNNI, and is FDIC insured. While it is based in the United States, primarily in Nebraska, the bank also has offices in Greeley, Colorado, Illinois, Iowa, Kansas, South Dakota, and Texas.

Though the First National Bank of Omaha provides various financial products, a credit card application or credit limit increase request will likely result in a hard inquiry on your credit report. The brand is well-known for its attractive credit card array, which includes a variety of secured and cashback alternatives, Visa rewards, and no ATM surcharge fees.

How Did FNB Omaha Appear On Your Credit Report?

You could believe you’ve heard of this bank before but aren’t sure why it’s on your credit report. The solution is straightforward: you must have applied for a credit card with FNB Omaha. A credit check is typically required as part of any loan or credit card application. They frequently have a long-term impact on your credit record.

The creditor will need to perform a credit check to receive your information. It implies they will access your credit profile, including your balances, credit usage, payment history, and other financial information. 

Therefore, a hard inquiry from FNB Omaha will not have as great of an impact on a person’s credit score. You should, however, endeavor to limit this sort of query. 

Furthermore, if someone else adds you as an authorized user to their own First National Bank of Omaha credit account, FNB Omaha may appear on your credit report. An authorized user includes a spouse, parent, child, business partner, or friend.

Suppose you were identified as an authorized user on someone else’s First National Bank of Omaha credit account. In that case, their behaviors on the account might impact your credit score.

Hard Inquiries: What Are They?

When someone you propose to do business with, such as a lender or credit provider such as FNB Omaha, checks your credit report, this is referred to as a hard inquiry. They do this to assess the risk you provide as a possible borrower and how you’ve handled prior financial commitments.

A hard inquiry can possibly lower your credit score by up to 5 points. But, while they remain on your credit report for two years, they only have a one-year influence on your score.

Hard inquiries serve as a record of when you applied for new credit and may remain on your credit report for roughly two years, but they usually impact your credit scores for one year. Depending on your specific credit history, hard inquiries may imply various things to different lenders.

You’ve perhaps heard of soft inquiries, which do not affect your credit score. Soft inquiries often transpire when you check your credit or when a lender or credit card provider mails you preapproval offers. An existing creditor may also make a soft inquiry to check your current credit position.

No FNB Omaha Account But Still See Them On Your Credit Report?

Suppose FNB Omaha appears on your credit report. In that case, although you do not have an account with them and are not an authorized user on another individual’s credit card, you may have a credit card issued by one of their affiliates. 

For example, First National Bank of Omaha now offers private-label credit cards on the Visa and Mastercard networks. In addition, the following are some of the prominent brands that are associated with First National Bank of Omaha:

  • Speedway
  • Chrysler
  • Ford
  • Jeep
  • UnionPlus
  • Scheels All Sports
  • All Nippon Airways
  • Icelandair
  • China Airlines
  • Best Western Hotels
  • MGM Resorts International
  • Gulf Oil
  • Big R Stores
  • Ducks Unlimited

How To Remove FNB Omaha From Your Credit Report?

The primary step is to get credit reports from all three credit bureaus— Experian, Equifax, and TransUnion. The same information is frequently recorded on all three, but not always, which is why it is critical to verify all three. AnnualCreditReport.com allows you to obtain your credit reports for free once a year.

Once more, a hard inquiry will unquestionably lower your credit score, making you wish it were removed immediately. As a result, you might need a little assistance from the right individuals or even experts to remove this from your account. Here are some of the better solutions.

1. Contact A Credit Repair Company

One of the easiest methods to swiftly fix problems on your credit reports, such as eliminating criminal inquiries, credit collections accounts, and even FNB Omaha from your account, is to work with a professional credit repair business.

Credit repair businesses have the tools and expertise to delete credit inquiries from your record, restoring your credit score. 

In addition, you’ll use less energy and experience less stress if you hire experts to handle the task. But be careful to choose a business with a history of delivering top-notch services. As a result, the following is an example of an excellent credit repair company.

2. Goodwill Deletion Letters

You can submit a goodwill letter to a lender like credit collection services. A goodwill letter requests that a lender, bank, or other creditor remove a mistake or missing payment from a credit report (goodwill adjustment). However, you should avoid this alternative if you have a poor credit history.

A goodwill letter requests that the creditor that reported your late payments erase the negative note from your credit reports. For example, perhaps you experienced an unanticipated change in circumstances or financial difficulties. Whatever the circumstances, your objective is to explain why you missed payments and why the creditor should remove them from your credit record.

(Note: If your credit record inaccurately indicates that you missed a payment when you did not, you should contest the inaccuracy rather than writing a goodwill letter.)

A powerful goodwill letter requests that the creditor sympathizes with you. It’s friendly and polite. It signifies that you accept responsibility for your missed payments and intend to keep current on your obligations in the future.

It helps if you can demonstrate a recent track record of on-time payments or point to a specific event (for example, you lost your job but have subsequently found a new one). But, again, keep it brief and to the point.

When you’ve finished writing the letter, please mail it to your creditor at the address indicated on its website or your credit report. You may need to contact the creditor several times or make a phone call. Persistence may be necessary to persuade them.

Although any consumer may send a goodwill letter, creditors are under no obligation to evaluate or even comply with your request. However, if you are a good borrower who misses a payment due to a financial or medical emergency, this letter may help restore the harm to your credit score.

3. Submit A Dispute

Suppose you notice something reported under FNB Omaha on your credit report that you believe is incorrect. In that case, you may dispute it by writing to First National Bank of Omaha or the credit agencies. There are various reasons why hard inquiries might be incorrect. However, two of the most common reasons include:

  1. If you were searching for a new service, the provider might have reviewed your credit history without your knowledge. For example, if you’re looking for a new smartphone provider and the company performed a hard credit check without your consent or knowledge, you may be able to file a dispute.
  2. Second, if you encounter a query you don’t recognize, it may be an honest error or a fraud symptom. It is critical to contact the listed company to confirm. You might consider putting a credit freeze or possibly a fraud alert if it is a false inquiry.

In either instance, you should contest illegitimate queries with each agency and report that lists them.

Dispute With FNB Omaha

  • Online: Visit the FNB Omaha website 
  • Send a letter via mail: First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
  • Phone: 888-530-3626

Dispute Errors With Experian

Dispute Errors With Equifax

Dispute With TransUnion

  • Online: TransUnion’s online dispute website
  • Mail: TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016 
  • Phone: 800-916-8800

After investigating, the company should withdraw the query and rectify the issue. If it does not, it will notify you and explain.

Conclusion

FNB Omaha is unique compared to a credit collection service issue. The most common reason you would find FNB Omaha on your record would result from a hard inquiry. When you apply for a new credit card, a creditor may request that you be evaluated as a risky borrower. Fortunately, various methods are available that you can take to keep your credit in good standing.

Related Posts

How To Dispute Your Equifax Credit Report In 4 Steps

How To Dispute Your Equifax Credit Report In 4 Steps

How Long Do Hard Inquiries Stay On Your Credit Report?

How Long Do Hard Inquiries Stay On Your Credit Report?

A Guide To The 3 Major Credit Bureaus

A Guide To The 3 Major Credit Bureaus

How To Remove IC System From Your Credit Report

How To Remove IC System From Your Credit Report

Mike Pearson


Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.