Bank of Cadiz and Trust Company on Your Credit Report
In short: Bank of Cadiz and Trust Company is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Cadiz, Kentucky. Certificate 20239 was issued against a charter dating to August 7, 1970, a late-twentieth-century charter. At the 06/30/2026 reporting date the bank showed $143 million in total assets and 5 FDIC-reported offices. Because Bank of Cadiz and Trust Company originates these accounts rather than buying them, it is the furnisher of record — you can dispute through §623 directly or §611 via the 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 Cadiz and Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Cadiz and Trust Company carries FDIC certificate 20239, operates 5 FDIC-reported offices and reported $143 million in assets on its most recent call report in Cadiz, Kentucky.
How Bank of Cadiz and Trust appears on your credit report
This tradeline is furnished by Bank of Cadiz and Trust Company itself, not purchased from another lender, which means the source documents are held in-house. With a Kentucky charter and 5 FDIC-reported offices, Bank of Cadiz and Trust adjudicates these disputes internally. Send it in writing, identify precisely which field is wrong, and run the §611 bureau dispute in parallel. 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 Kentucky locations
- ◆Residential mortgage and home-equity lending in and around Cadiz
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a Bank of Cadiz and Trust entry
Each of these is a reason a Bank of Cadiz and Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Cadiz office on time but posted to the next cycle
- ◆Paid-in-full Bank of Cadiz and Trust loan continuing to report an outstanding balance
- ◆One Bank of Cadiz and Trust 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
Bank of Cadiz and Trust Company 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 Cadiz and Trust Company 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 Cadiz and Trust Company 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 Cadiz and Trust Company questions, answered
Is Bank of Cadiz and Trust Company FDIC-insured, and what is its certificate number?
It is insured, and certificate 20239 is the number to quote. The FDIC lists a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, headquartered Cadiz, KY, chartered August 7, 1970, reporting $143 million and 5 offices as of 06/30/2026.
Which regulator oversees Bank of Cadiz and Trust Company?
The supervising authority is the Federal Reserve and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Bank of Cadiz and Trust tells you.
Does the CFPB complaint database list Bank of Cadiz and Trust Company?
We do not publish a figure for Bank of Cadiz and Trust Company. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can a Bank of Cadiz and Trust Company charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Bank of Cadiz and Trust 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.
Is it better to go to Bank of Cadiz and Trust Company or to the collector?
Bank of Cadiz and Trust Company is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Bank of Cadiz and Trust puts the question to the party that can actually check it against source documents.
Will a Bank of Cadiz and Trust Company account show on all three reports?
Furnishing is voluntary under the FCRA, so Bank of Cadiz and Trust — 5 offices in Kentucky — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Bank of Cadiz and Trust tradelines — is that allowed?
Duplicates of this kind usually trace to a data migration. With a charter running back to 1970, Bank of Cadiz and Trust has likely changed core processors at least once, and old and new records can both survive. A predecessor name is acceptable; two live balances for one debt is not — dispute it and cite both entries.
Can I dispute a Bank of Cadiz and Trust Company account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Bank of Cadiz and Trust are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Does it matter that Bank of Cadiz and Trust Company is based in Cadiz?
Bank of Cadiz and Trust is based in Cadiz, Kentucky and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Cadiz and Trust Company; 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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