Arrowhead Bank on Your Credit Report
In short: Arrowhead Bank operates out of Llano, Texas as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 1198 dates to March 16, 1923 — a charter older than the FDIC itself. At the 06/30/2026 reporting date the bank showed $295 million in total assets and 5 FDIC-reported offices. Arrowhead Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Arrowhead Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Arrowhead Bank carries FDIC certificate 1198, operates 5 FDIC-reported offices and reported $295 million in assets on its most recent call report in Llano, Texas.
How Arrowhead Bank appears on your credit report
Because Arrowhead Bank originated the account, it furnishes the tradeline directly and holds the original file. Arrowhead Bank is Texas-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 5 Texas locations
- ◆Home-equity lines and residential mortgages originated near Llano
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute an Arrowhead Bank entry
Each of these is a reason an Arrowhead Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Llano posted after the due date and reported 30 days late
- ◆Paid-in-full Arrowhead Bank loan continuing to report an outstanding balance
- ◆One Arrowhead Bank obligation appearing as two tradelines after a core-system conversion
- ◆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
Arrowhead 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, Arrowhead 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 Arrowhead Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Arrowhead Bank questions, answered
What is the FDIC certificate number for Arrowhead Bank?
It is insured, and certificate 1198 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Llano, TX, chartered March 16, 1923, reporting $295 million and 5 offices as of 06/30/2026.
My dispute with Arrowhead Bank failed — who do I complain to?
Arrowhead Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Arrowhead Bank head office in Llano is the right address for the written record.
How many credit-card complaints does the CFPB show against Arrowhead Bank?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Arrowhead Bank, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
When does an Arrowhead Bank charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying Arrowhead Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Arrowhead Bank and disputing with a collector?
The distinction matters because of who holds the evidence. Arrowhead Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Arrowhead Bank reaches the records themselves.
Does Arrowhead Bank furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Arrowhead Bank, with 5 offices around Llano, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
I see duplicate Arrowhead Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Arrowhead Bank has operated since 1923, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Do I need to hire someone to dispute an Arrowhead Bank entry?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Arrowhead Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Arrowhead Bank headquartered, and does that affect my dispute?
Arrowhead Bank is headquartered in Llano, Texas, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Arrowhead 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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