Bank Of Clarke on Your Credit Report
In short: Headquartered in Berryville, VA, Bank Of Clarke has operated under FDIC certificate 6123 since its charter was established in 1881. Its 06/30/2026 call report shows $1.85 billion in total assets and 14 FDIC-reported offices. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. When Bank Of Clarke reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 Clarke actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 6123 belongs to Bank Of Clarke, a state bank headquartered in Berryville, VA since its charter was established in 1881. The 06/30/2026 call report puts it at $1.85 billion in assets spread across 14 FDIC-reported offices — roughly $132 million each.
How Bank Of Clarke appears on your credit report
With $1.85 billion across 14 FDIC-reported offices, Bank Of Clarke sits well below the national card issuers in scale. That matters for a dispute: a regional bank in Berryville, VA is more likely to route your letter to a named person than to an automated queue, so citing the specific field in error — balance, status, date of first delinquency — usually gets further than a blanket denial of the debt.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and share-secured credit lines opened at Bank Of Clarke
- ◆Home-equity lines and mortgage accounts serviced under the Bank Of Clarke name
- ◆Personal installment loans originated at Bank Of Clarke offices
Grounds to dispute a Bank Of Clarke entry
Each of these is a reason a Bank Of Clarke tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Paid-off Bank Of Clarke installment loan still showing a balance after the final payment cleared
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed Bank Of Clarke deposit-secured line still reporting as an open revolving account
- ◆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 Clarke 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 Clarke 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 Clarke 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 Clarke questions, answered
Is Bank Of Clarke FDIC-insured, and what is its certificate number?
Yes. Bank Of Clarke holds FDIC certificate 6123. The FDIC record shows a charter established April 1, 1881, headquarters in Berryville, VA, and 14 FDIC-reported offices with $1.85 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates Bank Of Clarke, and where do I escalate if a dispute fails?
Bank Of Clarke is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, 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 Clarke charter, and why does that matter for my credit report?
Bank Of Clarke's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1881 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 Clarke 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 Clarke, and what does that mean for disputing an account?
Bank Of Clarke reports $1.85 billion across 14 FDIC-reported offices — roughly $132 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 Clarke 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 Clarke 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 Clarke can verify, and results vary from case to case.
Does VA law change anything about a Bank Of Clarke 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 Clarke being headquartered in Berryville, 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 Clarke account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on the Bank Of Clarke account and never caught up on. It does not run from the charge-off date, the sale date, or the date Bank Of Clarke last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does Bank Of Clarke appear in the CFPB complaint database?
We do not publish a complaint figure for Bank Of Clarke. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 6123, 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 Clarke and disputing with a collection agency?
Bank Of Clarke 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 Clarke; 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 Clarke; 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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