Bank of Botetourt on Your Credit Report
In short: Bank of Botetourt is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Buchanan, VA on a charter established in 1899. FDIC certificate 6137 records 14 FDIC-reported offices and $939 million in total assets on the 06/30/2026 call report. Because Bank of Botetourt furnishes the tradeline itself, the FCRA §623 accuracy duty runs directly against the bank — so you can dispute with it as well as with the three 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 Bank of Botetourt actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 6137 belongs to Bank of Botetourt, a state bank headquartered in Buchanan, VA since its charter was established in 1899. The 06/30/2026 call report puts it at $939 million in assets spread across 14 FDIC-reported offices — roughly $67 million each.
How Bank of Botetourt appears on your credit report
Because Bank of Botetourt is regional — $939 million in assets, 14 FDIC-reported offices, headquartered in Buchanan, VA — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Credit lines tied to a Bank of Botetourt relationship account
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a Bank of Botetourt entry
Each of these is a reason a Bank of Botetourt tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed Bank of Botetourt deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by Bank of Botetourt but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆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 Botetourt 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 Botetourt 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 Botetourt 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 Botetourt questions, answered
Is Bank of Botetourt FDIC-insured, and what is its certificate number?
Yes. Bank of Botetourt holds FDIC certificate 6137. The FDIC record shows a charter established September 27, 1899, headquarters in Buchanan, VA, and 14 FDIC-reported offices with $939 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 Bank of Botetourt, and where do I escalate if a dispute fails?
Bank of Botetourt 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 VA 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 Bank of Botetourt charter, and why does that matter for my credit report?
Bank of Botetourt's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1899 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 Bank of Botetourt 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 Bank of Botetourt, and what does that mean for disputing an account?
Bank of Botetourt reports $939 million across 14 FDIC-reported offices — roughly $67 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 a Bank of Botetourt 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 Botetourt 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 Botetourt can verify, and results vary from case to case.
Does VA law change anything about a Bank of Botetourt 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 Botetourt being headquartered in Buchanan, VA does not make VA 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 Botetourt account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a Bank of Botetourt tradeline. The date that matters is when the account first went delinquent and stayed that way — not when Bank of Botetourt 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 Bank of Botetourt appear in the CFPB complaint database?
We do not publish a complaint figure for Bank of Botetourt. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 6137, 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 Botetourt and disputing with a collection agency?
Bank of Botetourt 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 Botetourt; 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 Botetourt; 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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