Bank of Delight on Your Credit Report
In short: Bank of Delight, based in Delight, Arkansas, is a state-chartered commercial bank that is not a member of the Federal Reserve System. FDIC records place the charter date at June 16, 1911 under certificate 99; it is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. On the 06/30/2026 call report the bank reported $201 million in assets, served from 5 FDIC-reported offices. Accounts originated here are furnished by Bank of Delight itself, which means a §623 dispute goes to the institution that holds the underlying file. 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 Delight actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Delight holds FDIC certificate 99, chartered June 16, 1911 in Delight, Arkansas (115 years old), and reported $201 million in total assets across 5 offices on the 06/30/2026 call report.
How Bank of Delight appears on your credit report
Bank of Delight is an original creditor, not a collector, and that changes the mechanics. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Identify the account precisely, challenge one field at a time, and keep proof of mailing. What changes depends on what Bank of Delight can verify, and that differs case to case.
Names it may report under
Products that commonly show up
- ◆Personal lines of credit tied to a Bank of Delight deposit relationship
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in Arkansas
Grounds to dispute a Bank of Delight entry
Each of these is a reason a Bank of Delight 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 Delight
- ◆Duplicate tradeline created when Bank of Delight converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆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 Delight 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 Delight 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 Delight 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 Delight questions, answered
Is Bank of Delight FDIC-insured, and what is its certificate number?
Deposits are insured under FDIC certificate 99. The FDIC record shows a state-chartered commercial bank that is not a member of the Federal Reserve System in Delight, AR, chartered June 16, 1911, holding $201 million across 5 offices on the 06/30/2026 call report.
Who regulates Bank of Delight, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Bank of Delight answers primarily to the FDIC and its state banking regulator. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against Bank of Delight?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Bank of Delight exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a Bank of Delight charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Bank of Delight account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Bank of Delight and disputing with a collector?
Bank of Delight is the original creditor and holds the underlying file — application, statements, posting history. A collector holds only what was transferred with the account. That is why a §623 dispute to Bank of Delight tends to resolve factual questions a collector simply cannot answer.
Does Bank of Delight report to all three credit bureaus?
Nothing in the FCRA compels a furnisher to report to all three nationwide bureaus, so coverage can be uneven. Compare all three files first. With Bank of Delight, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Bank of Delight was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Bank of Delight migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Push for removal of the duplicate entry instead of accepting a "closed" notation, which does not undo the scoring impact. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute Bank of Delight reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Bank of Delight naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Bank of Delight reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Pull your own statements and check the Bank of Delight entry field by field. One documented error beats a broad removal request every time.
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 Delight; 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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