How to Remove FNB Omaha From Your Credit Report

If you’ve noticed FNB Omaha on your credit report, there’s a good chance it’s tied to a recent credit application. Here’s what that entry means, how it affects your credit score, and what to do if it wasn’t authorized.

What Is FNB Omaha?

FNB Omaha stands for First National Bank of Omaha, a longstanding bank with operations in several states and a wide range of financial products. One of their most popular offerings is a line of credit cards, which are often available through partnerships with retailers and other companies.

If you’ve applied for a credit card issued by FNBO, you may see “FNB Omaha” appear as a hard inquiry on your credit report.

Why FNB Omaha Appears on Your Credit Report

FNB Omaha appears when the bank pulls your credit report during a credit card application. This is standard practice—lenders use hard inquiries to assess your credit history before making approval decisions.

If you didn’t apply for a credit card recently, the presence of this inquiry could be a red flag worth investigating.

How an FNB Omaha Inquiry Affects Your Credit Score

Hard inquiries typically lower your credit score by a few points. The effect is small and temporary in most cases, but several inquiries close together can do more damage. Lenders may interpret that pattern as a sign you’re trying to take on too much new credit at once.

Managing your inquiries is one way to keep your credit profile healthy and limit unnecessary dings to your score.

How Long FNB Omaha Inquiries Stay on Your Credit Report

FNB Omaha inquiries can stay on your credit report for up to two years. However, their impact on your credit score usually fades within the first 6 to 12 months.

You don’t have to wait it out if the inquiry wasn’t authorized—there are steps you can take to have it removed.

What to Do If You Don’t Recognize the FNB Omaha Inquiry

If you didn’t apply for a credit card with First National Bank of Omaha, reach out to them to verify the inquiry. They can tell you whether an application was submitted using your name or information.

Here’s how to contact them:

First National Bank of Omaha
1620 Dodge Street
Omaha, NE 68197
Phone: (800) 860-3577

If the inquiry was unauthorized, you can dispute it with the credit bureaus and request an investigation.

Can You Remove FNB Omaha From Your Credit Report?

Yes—if the inquiry was inaccurate or unauthorized, you have the right to dispute it. You can do this directly with Equifax, Experian, or TransUnion. Each credit bureau offers options to submit disputes online, by phone, or by mail.

You can also get help from a credit repair company. Credit Saint works with clients to remove inaccurate or unauthorized entries from their credit reports, including:

• Hard inquiries
• Collections
• Late payments
• Charge-offs
• Repossessions
• Foreclosures
• Bankruptcies

Clean Up Your Credit Report With Help You Can Trust

Dealing with credit issues doesn’t have to be overwhelming. Credit Saint has helped thousands of people remove harmful entries and rebuild their credit with confidence.

They even offer a 90-day money-back guarantee, so you can get started risk-free.

Visit their website today to see how they can help you take the next step toward better credit.