Bank of Bird-in-Hand on Your Credit Report
In short: Bank of Bird-in-Hand traces its charter to 2013 and appears in the FDIC's records under certificate 59074, a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator with its headquarters in Bird In Hand, PA. The most recent call report, dated 06/30/2026, puts it at $1.9 billion in total assets across 16 FDIC-reported offices. As an original creditor it is the furnisher of any tradeline it reports, so under FCRA §623 the accuracy duty sits with Bank of Bird-in-Hand itself rather than with a collection agency. 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 Bird-in-Hand actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 59074 identifies Bank of Bird-in-Hand of Bird In Hand, PA, chartered November 29, 2013. As of the 06/30/2026 call report it carried $1.9 billion in total assets and 16 FDIC-reported offices — roughly $119 million per office — as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
How Bank of Bird-in-Hand appears on your credit report
Bank of Bird-in-Hand runs 16 FDIC-reported offices against $1.9 billion in assets, a branch-dense retail profile. Accounts at this kind of bank are typically opened and serviced in person, which means the supporting paperwork — signature cards, payment receipts, deferment agreements — usually exists locally. Requesting the specific document that contradicts the tradeline is often more effective than a general assertion of disagreement.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Credit cards issued under the Bank of Bird-in-Hand name through an agent-bank programme
- ◆Consumer installment and personal loans originated by Bank of Bird-in-Hand
Grounds to dispute a Bank of Bird-in-Hand entry
Each of these is a reason a Bank of Bird-in-Hand tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account transferred between Bank of Bird-in-Hand systems after a core conversion and duplicated
- ◆Paid-off Bank of Bird-in-Hand installment loan still showing a balance after the final payment cleared
- ◆Escrow shortage treated as a missed payment on a Bank of Bird-in-Hand-serviced mortgage
- ◆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 Bird-in-Hand 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 Bird-in-Hand 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 Bird-in-Hand 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 Bird-in-Hand questions, answered
Is Bank of Bird-in-Hand FDIC-insured, and what is its certificate number?
Yes. Bank of Bird-in-Hand holds FDIC certificate 59074. The FDIC record shows a charter established November 29, 2013, headquarters in Bird In Hand, PA, and 16 FDIC-reported offices with $1.9 billion 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 Bank of Bird-in-Hand, and where do I escalate if a dispute fails?
Bank of Bird-in-Hand is a state-chartered bank that is not a member of the Federal Reserve System, so the FDIC is its primary federal regulator, working alongside the PA state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the PA 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 Bank of Bird-in-Hand charter, and why does that matter for my credit report?
Bank of Bird-in-Hand is a comparatively modern charter, established November 29, 2013. A newer institution will not have the long merger chain older banks carry, so the furnisher name on your report should match the bank you actually dealt with. If it does not, that is itself a reason to dispute: the FCRA requires the furnisher to be identified accurately.
How big is Bank of Bird-in-Hand, and what does that mean for disputing an account?
Bank of Bird-in-Hand reports $1.9 billion across 16 FDIC-reported offices — roughly $119 million per office, a retail-weighted profile. Bear in mind the FDIC's office count includes every reported location, not only retail branches, so this is a measure of reported footprint rather than a count of storefronts. In practice it means consumer accounts are likely serviced locally and the underlying paperwork can usually be retrieved from the originating office.
How do I dispute a Bank of Bird-in-Hand 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 Bank of Bird-in-Hand 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 Bank of Bird-in-Hand can verify, and results vary from case to case.
Does PA law change anything about a Bank of Bird-in-Hand 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. Bank of Bird-in-Hand being headquartered in Bird In Hand, PA does not make PA 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 a Bank of Bird-in-Hand account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Bank of Bird-in-Hand account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If Bank of Bird-in-Hand or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does Bank of Bird-in-Hand appear in the CFPB complaint database?
We do not publish a complaint figure for Bank of Bird-in-Hand. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 59074, 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 Bank of Bird-in-Hand and disputing with a collection agency?
Bank of Bird-in-Hand is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to Bank of Bird-in-Hand; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Bird-in-Hand; 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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