Bank of 1889 on Your Credit Report
In short: From its Berryville, Arkansas headquarters, Bank of 1889 operates as a state-chartered commercial bank that is a member of the Federal Reserve System. FDIC certificate 3854 records the charter as established February 18, 1889. As a nineteenth-century charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. As of the 06/30/2026 call report, Bank of 1889 held $339 million in assets and operated 12 FDIC-reported offices. Lending from its own balance sheet makes Bank of 1889 the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. 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 Bank of 1889 actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of 1889 is an FDIC-insured state bank under certificate 3854, headquartered in Berryville, Arkansas, with $339 million in total assets and 12 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to February 18, 1889.
How Bank of 1889 appears on your credit report
The distinction that matters: Bank of 1889 is the original creditor on the account, not a third party that bought it. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Home-equity and mortgage lending secured by Arkansas property
- ◆Small-business and consumer accounts carried on the Bank of 1889 balance sheet
Grounds to dispute a Bank of 1889 entry
Each of these is a reason a Bank of 1889 tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Bank of 1889
- ◆Paid-in-full installment loan still showing a Bank of 1889 charge-off status
- ◆Duplicate Bank of 1889 tradeline created when the account migrated between core systems
- ◆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
Bank of 1889 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, Bank of 1889 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 Bank of 1889 a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bank of 1889 questions, answered
Is Bank of 1889 FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 3854. That record lists Bank of 1889 as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Berryville, AR, chartered February 18, 1889, with $339 million in assets across 12 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Bank of 1889, and where do I escalate if a dispute fails?
Bank of 1889 is a state-chartered commercial bank that is a member of the Federal Reserve System, so its primary oversight runs through the Federal Reserve and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Bank of 1889?
We do not publish a figure for Bank of 1889. A 12-office small community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Bank of 1889 would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Bank of 1889 charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Bank of 1889, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Bank of 1889 and disputing with a collector?
Bank of 1889 is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Bank of 1889 reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Bank of 1889 report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Bank of 1889 tradeline as a genuine dispute target.
Bank of 1889 was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Bank of 1889 account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Identify both versions by last four digits and open date when you dispute.
Can I dispute Bank of 1889 reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Bank of 1889 a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Bank of 1889 reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Bank of 1889; 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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