How to Remove FNB Omaha from Your Credit Report

Written by Justin EstesUpdated: 1st Apr 2022
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Removing collection accounts from your credit report can be a pain. To make matters worse, they can remain on your credit report for up to 7-years. This will take a significant toll on your credit score.

Let’s dive deep into FNB Omaha, which stands for First National Bank of Omaha. Located in Nebraska, Omaha, this bank has been J.D. Power rated in 2020. It has also been named MONEY’s best bank in the Midwest.

Now, First National Bank of Omaha does have a credit card division called First Bankcard, which is a top 15 commercial card issuer.

With this all said and done, FNB is not a scam or trying to elicit money from you. The reason for FNB showing up on your credit report is due to a hard inquiry.

What is a hard inquiry? It occurs when you apply for a new line of credit. IN short, it means a creditor wants to look at your credit report to assess how much risk you pose as a borrower.

From removing negative items to late payments and other unidentified items that can lower your credit score, it is best to steer clear from these nuances.

In this article, I will discuss how to remove FNB Omaha from your credit report and other information regarding the company.

What is FNB Omaha on My Credit Report?

You might be thinking, “Oh, yes. I’ve heard of this company before. But wait, why are they on my credit report?”

To put it merely, FNB Omaha is no scam. They are a subsidiary of First National of Nebraska.

If you come across FBN Omaha on your credit report, as said in the previous section, it means it’s a hard inquiry on your credit report.

What is FNB Omaha?

FNB Omaha stands for the First National Bank of Omaha. This bank is located in Omaha, Nebraska, and has been in business for over 160 years.

FNB conducts business across a vast array of areas, including personal and professional financial services. Some of these services include:

  • Credit Cards
  • Auto Loans
  • Investments
  • Personal Loans
  • Refinancing

Even though FNB operates in vast business areas, they are well known for their credit cards. These credit cards range from limited time offers, cashback, and cards to help you build credit.

Is FNB Omaha a Legitimate Company?

Yes, it’s 100% legit. First National Bank of Omaha operates out of Nebraska. They have offices located throughout the continental United States in states such as Iowa, Illinois, Kansas, Texas, and Colorado.

FNB is not a collection agency or trying to scam you out of money. Operating and providing legit products to companies and consumers, this company is one of the country’s top leading private banks.

However, there have been many complaints from the Better Business Bureau website. Complaints are mostly due to customer criticism.

The FNB website mentions FNB is the 4th largest agriculture lender in the country and one of the largest commercial bank finance providers in the ethanol industry.

First National Bank has a legit address as well. Their address is P.O. Box 3128 Omaha, NE.

Looking at your credit report, you are just nagging at the fact of removing FNB from your credit report. Here are four genius ways to remove FNB from your credit report.

How to Remove FNB Omaha From Your Credit Report (4 Genius Ways)

A hard inquiry can hurt your credit report, and you want it immediately taken off. A credit inquiry is different from getting a collection account removed from your statement.

For example, if a collection account is located on your credit report, you can request a debt validation letter. This trick could resolve the issue in no time. However, removing a hard inquiry should be taken up with the professionals.

Without further ado, let’s dive deep into the four ways you can remove FNB Omaha from your credit report.

1. Hire a Professional Credit Repair Company

Hiring a credit repair company can quickly help remove FNB Omaha from your report. Similar to removing a credit collections account from your credit report, credit repair agencies can help remove FNB.

The best credit repair companiesare skilled at removing credit inquires such as FNB Omaha from your credit report. This process can boost your credit score tenfold.

Having a professional analyze your credit report will take off much of the stress. Looking for a company that can professionally handle hard inquiry removal?

2. Ask For a Debt Validation

As a consumer, you can submit a debt validation letter. However, this method might be more difficult because removing a hard inquiry is a challenging process.

If you choose this route, make sure you request a validation letter from FNB and follow a similar debt validation letter process as 11 Charter Communications.

3. Negotiate a Pay-for-Delete

The negotiate pay-for-delete requires you to send a letter to, for example, FNB of Omaha. Lenders, debt collectors, and credit bureaus are all regulated at the federal and state levels.

Before negotiating a pay-for-delete, some laws can back you up. These laws are:

  • Credit Repair Organizations Act (CROA): Required by law, this act requires organizations to provide a summary of your rights and a written contract you can void within three days of signing.
  • Fair Credit Reporting Act (FCRA): The FCRA will give you the right to know when information on your credit report causes you to be denied for insurance or credit. You can also dispute credit-report wrongdoings.

Next, we will go into submitting a goodwill deletion letter.

4. Submit a Goodwill Deletion Letter

Similar to the credit collection services, you can submit a goodwill letter to FNB Omaha. First off, agoodwill letteris different from disputing something on your credit report.

If an FNB Omaha mishap occurs on your credit report, a goodwill letter will help a ton. For example, if there was a technical issue, you can show sympathy that FNB will consider.

What is the actual verdict on removing a hard inquiry from your credit report? Hiring a credit repair company is your best bet. They have the technical knowledge to remove such challenging issues.

How to Deal With FNB Omaha: Tips & Tricks

If you are dealing directly with FNB Omaha, you must know your rights. If you are just buying that new house you’ve been so excited about, you will have to apply for a mortgage.

Applying through FNB Omaha will not cause any harm. However, you must double-check if they made a mistake on your credit report check.

If you keep second-guessing yourself if FNB made a mistake, this is where a credit repair company comes into play. Checking with an outside source is critical.

FNB Omaha Consumer Complaints

FNB Omaha has many customer service complaints. However, there are some scary complaints online about FNB Omaha.

For example, two people, who posted in Consumer Affairs, stated that FNB Omaha lowered their credit limit without any warning. These individuals indicated their debt payments are made on time and in full.

Another scary complaint came from Wallet Hub. One consumer stated he never missed a payment and paid off his balance in full. Without notice, FNB closed the account.

FNB Omaha Contact Information:

Below are the mailing address and phone number for FNB Omaha.

  • Mailing Address: 14310 FNB Pkwy, Omaha, NE 68154
  • Phone Number: 1 (800) 642-0014

Frequently Asked Questions

How Does FNB Omaha Work?

FNB Omaha is a subsidiary under the First National of Nebraska. Questioning the existence of this private institution on your credit report has you confused.

Well, this is how FNB works. Let’s say you are applying for a credit card with, say, Bank of America. The lender will run a credit check of your payment history, balances, and open accounts no matter what.

Now, if you apply for a mortgage with FNB Omaha, this will have a minor impact on your credit score.

Should I Pay FNB Omaha?

No, you should not pay for FNB Omaha. Unless their claim against your credit report is valid after a credit repair company checks the dispute, then you may have to pay.

If you signed up for a credit card with FNB Omaha and the claim is valid, then yes, you would have to pay a certain amount to FNB.

Is FNB Omaha a Scam?

No, FNB Omaha is a legit private institution headquartered in Omaha, Nebraska. What makes them seem like a scam?

If you come across FNB Omaha on your credit report, this can spark a scam alert in your mind. However, check with FNB before you take any additional action steps.

Can FNB Omaha Sue Me?

With any situation, yes, FNB can sue you under certain circumstances. For instance, a forum explained a middle-aged man who lost his job and could not pay his credit card.

In the forum, a professional litigator stated, “FNB sues, and they are hard to beat in court.”

Again, the best way to deal with credit report mix-ups is to hire a credit repair company. 

>> More:How to Fix Your Credit Score

Bottom Line: How to Remove FNB Omaha from Your Credit Report

In all, FNB Omaha is a different scenario compared to a credit collection services situation. Typically, if you see FNB Omaha on your credit report, it is a hard inquiry.

When you apply for a new card, a creditor can request to look at your riskiness as a borrower.

Remember, hiring a credit repair company is the first significant genius step to take. Sending a letter to FNB Omaha is also another viable option. Both strategies will increase your credit score (if done properly).

Keep asking yourself “why” when confronted with a suspicious mark on your report. If you stop asking yourself why you will never get to the root of the problem.

Just remember! Being assertive and not giving in will skyrocket your practical problem-solving skills.

Justin Estes
Justin Estes

Justin Estes is a Senior Personal Finance Writer who is a recognized small business accountant, consultant, and credit card expert. His background in accounting and finance led to a passion for helping people make the most of their money and matching them with financial products that enhance their lifestyle. Justin attended Charleston Southern University where he double-majored in Finance and Accounting. Justin’s areas of expertise are credit cards, small business finance, accounting, and taxes.