What does CCS/FIRST NATIONAL BAN mean on my credit report?

Is CCS/FIRST NATIONAL BAN making an impact on your credit score?

Updated January 1, 2023
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What is CCS/FIRST NATIONAL BAN?

CCS/FIRST NATIONAL BAN is shorthand for First National Credit Card, with the company name being First National Credit Card Inc

CCS/FIRST NATIONAL BAN is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with First National Credit Card.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

  • ⚫ The average account balance is $400.

  • ⚫ The average high credit balance is $700.

  • ⚫ The average credit limit is $600.

  • ⚫ The average monthly repayment is $100.

The account is classified under the following METRO2 categories:

  • ⚫ Credit Card
  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for First National Credit Card:

Address:

  • PO Box 2496, Omaha, NE 68103-2496

Website:

Email:

Phone:

Payments

First National Bank offers a variety of payment options including online payments, phone payments, and payments via mail. There is no discount for automatic payments, but customers can enroll in paperless statements to stop receiving statements via U.S. Mail. Additionally, customers can download the First National Bank Mobile App for secure payments. If a payment is late or missed, regular fees and interest may still apply.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

there is no loan forgiveness offered and they also do not offer loan consolidation. To qualify for loan forgiveness, you must complete the email verification process to access your Account Home page.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

you can apply for a loan online, over the phone, or in person. The process may vary depending on the type of loan. You can also use a mobile app or have a cosigner.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
Can I apply for a loan in person? Yes
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

CCS/FIRST NATIONAL BAN IdentityIQ Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove CCS/FIRST NATIONAL BAN from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.