American Bank of Freedom on Your Credit Report
In short: American Bank of Freedom is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC record lists certificate 15423, a charter dating to 1880, headquarters in Wellsville, MO, and 12 FDIC-reported offices holding $948 million in assets as of 06/30/2026. Any account it reports makes American Bank of Freedom the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against the bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who American Bank of Freedom actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
American Bank of Freedom appears in the FDIC's active-institution file as certificate 15423, established March 15, 1880. As of the 06/30/2026 call report it carried $948 million in total assets and 12 FDIC-reported offices, an average of about $79 million per office.
How American Bank of Freedom appears on your credit report
American Bank of Freedom furnishes its own tradelines rather than selling them to a servicer, and at $948 million over 12 FDIC-reported offices it does so from a single MO operation. A 146-year-old charter of this size often carries accounts through legacy core systems, which is exactly where date and status fields get mangled — so ask in writing what the furnished date of first delinquency is and compare it against your own records.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Auto and other secured consumer loans booked at American Bank of Freedom offices
Grounds to dispute a American Bank of Freedom entry
Each of these is a reason a American Bank of Freedom tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment posted at American Bank of Freedom in Wellsville, MO but reported late because of a processing-date mismatch
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Automatic-payment enrolment that lapsed at American Bank of Freedom without notice, producing a late mark
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
American Bank of Freedom is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, American Bank of Freedom has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send American Bank of Freedom a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
American Bank of Freedom questions, answered
Is American Bank of Freedom FDIC-insured, and what is its certificate number?
Yes. American Bank of Freedom holds FDIC certificate 15423. The FDIC record shows a charter established March 15, 1880, headquarters in Wellsville, MO, and 12 FDIC-reported offices with $948 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates American Bank of Freedom, and where do I escalate if a dispute fails?
American Bank of Freedom is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the MO state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the American Bank of Freedom charter, and why does that matter for my credit report?
American Bank of Freedom's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1880 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask American Bank of Freedom in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is American Bank of Freedom, and what does that mean for disputing an account?
American Bank of Freedom reports $948 million across 12 FDIC-reported offices — roughly $79 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute an American Bank of Freedom account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with American Bank of Freedom as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what American Bank of Freedom can verify, and results vary from case to case.
Does MO law change anything about an American Bank of Freedom account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. American Bank of Freedom being headquartered in Wellsville, MO does not make MO law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can an American Bank of Freedom account stay on my credit report?
Seven years from the date of first delinquency is the general rule for an American Bank of Freedom tradeline. The date that matters is when the account first went delinquent and stayed that way — not when American Bank of Freedom charged it off or when it was last reported. If the account has been re-aged so that it will report longer than it should, the wrong date is an FCRA inaccuracy in its own right and can be disputed separately from the debt.
Does American Bank of Freedom appear in the CFPB complaint database?
We do not publish a complaint figure for American Bank of Freedom. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 15423, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with American Bank of Freedom and disputing with a collection agency?
An original creditor like American Bank of Freedom and a collection agency are governed by different laws, and sending the wrong letter costs you time. American Bank of Freedom is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by American Bank of Freedom; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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