Creditors on Your Credit Report
An original creditor is the bank or credit union whose name was on your account when you opened it — not a collection agency that acquired it later. The rules are different, and so are your options. These pages cover 17 issuers, with charter facts from the FDIC and complaint data from the CFPB.
Creditor or collector?
If the name on the tradeline is the bank you originally opened the account with, you are looking at an original creditor and these pages apply. If the account was placed with or sold to a third party, see our collection-agency directory instead — different law, different leverage.
National Bank
State Bank
Industrial Bank
Retail / Store-Card Issuer
Fintech Program
This directory is general information about consumer rights, not legal advice. Crowned Credit is not affiliated with, endorsed by, or sponsored by any institution listed here; company names are used only to identify the creditor a consumer may see on a credit report. Charter details come from the FDIC BankFind public database and complaint counts from the CFPB Consumer Complaint Database, each retrieved on the date noted on the individual page. Crowned Credit does not promise any particular outcome; results vary. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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