Armor Bank on Your Credit Report
In short: Armor Bank is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, operating from Forrest City, AR on a charter established in 1919. FDIC certificate 28812 records 13 FDIC-reported offices and $517 million in total assets on the 06/30/2026 call report. When Armor Bank reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 Armor Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Armor Bank has been in continuous operation for 107 years, chartered January 1, 1919 and carried on the FDIC's books as certificate 28812. Its 06/30/2026 call report shows 13 FDIC-reported offices and $517 million in total assets, averaging roughly $40 million per office.
How Armor Bank appears on your credit report
Armor Bank furnishes its own tradelines rather than selling them to a servicer, and at $517 million over 13 FDIC-reported offices it does so from a single AR operation. A 107-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
- ◆Deposit-secured and share-secured credit lines opened at Armor Bank
- ◆Home-equity lines and mortgage accounts serviced under the Armor Bank name
- ◆Personal installment loans originated at Armor Bank offices
Grounds to dispute a Armor Bank entry
Each of these is a reason a Armor Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed Armor Bank deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by Armor Bank but still reporting the original delinquent status
- ◆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
Armor Bank 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, Armor Bank 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 Armor Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Armor Bank questions, answered
Is Armor Bank FDIC-insured, and what is its certificate number?
Yes. Armor Bank holds FDIC certificate 28812. The FDIC record shows a charter established January 1, 1919, headquarters in Forrest City, AR, and 13 FDIC-reported offices with $517 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates Armor Bank, and where do I escalate if a dispute fails?
Armor Bank is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the AR 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 Armor Bank charter, and why does that matter for my credit report?
Armor Bank was chartered in 1919, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 107-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask Armor Bank to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Armor Bank, and what does that mean for disputing an account?
Armor Bank reports $517 million across 13 FDIC-reported offices — roughly $40 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 Armor Bank 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 Armor Bank 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 Armor Bank can verify, and results vary from case to case.
Does AR law change anything about an Armor Bank 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. Armor Bank being headquartered in Forrest City, AR does not make AR 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 Armor Bank account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on the Armor Bank account and never caught up on. It does not run from the charge-off date, the sale date, or the date Armor Bank last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does Armor Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Armor Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 28812, 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 Armor Bank and disputing with a collection agency?
An original creditor like Armor Bank and a collection agency are governed by different laws, and sending the wrong letter costs you time. Armor Bank 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 Armor Bank; 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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