What is FNB Omaha?
FNB Omaha, or FNBOmaha, stands for First National Bank of Omaha, a reputable financial institution with a long history. With over 160 years in business, First National Bank of Omaha operates numerous branches across seven states and offers secure online banking tools available 24 hours a day. FNBO currently provides three different credit card options to its customers.
Why is FNB Omaha on My Credit Report?
FNB Omaha may appear on your credit report as a hard inquiry, usually resulting from applying for a credit card through First National Bank of Omaha (FNBO).
Understanding Hard and Soft Inquiries
What is a hard inquiry?
A hard inquiry occurs when a lender or creditor conducts a credit check as part of your application for new credit. This can include mortgage applications, car loans, credit cards, insurance policies, cell phone contracts, and even certain job applications.
Hard inquiries typically cause your credit score to drop by a few points. However, accumulating too many hard inquiries, particularly in a short period, can significantly damage your credit score.
What is a soft inquiry?
A soft inquiry typically takes place when a company performs a background check or when a credit card issuer or lender prequalifies you for an offer. Existing creditors may also initiate soft inquiries to monitor your current credit situation. Unlike hard inquiries, soft inquiries do not impact your credit scores.
How long do hard inquiries stay on your credit report?
Regardless of whether your FNBO credit card application is approved, the FNB Omaha hard inquiry remains on your credit report for up to 2 years. Each inquiry is recorded by one or more of the three major credit reporting agencies: Equifax, Experian, and TransUnion.
Addressing Unauthorized Inquiries
If you don’t recognize an inquiry or are confident that you did not initiate it, contact First National Bank of Omaha immediately to inquire about the reason for the inquiry. The creditor’s name should be listed under the hard inquiry section on your credit report.
First National Bank of Omaha Contact Information
First National Bank of Omaha
1620 Dodge Street
Omaha, Nebraska 68197
Phone number: (800) 860-3577
Can FNB Omaha be removed from my credit report?
Lexington Law, a renowned credit repair company, specializes in eliminating inquiries and other negative marks on your credit report. With over 18 years of experience, they achieved an impressive milestone of more than 6 million removals for their clients in 2021 alone.
In addition to inquiry removals, Lexington Law can assist you in disputing and potentially eliminating items such as late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.
Begin Your Credit Repair Journey Today
If you’re seeking help from a reliable credit repair company to enhance your credit, consider partnering with Lexington Law. Their proven track record demonstrates their ability to assist individuals facing similar credit challenges.
To learn more about their services and how they can support you, visit their website and complete the online form.
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