Bank of Franklin County on Your Credit Report
In short: Bank of Franklin County operates out of Washington, Missouri as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 35543 dates to August 28, 2000 — a modern charter. At the 06/30/2026 reporting date the bank showed $419 million in total assets and 6 FDIC-reported offices. Bank of Franklin County is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Franklin County actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Franklin County carries FDIC certificate 35543, operates 6 FDIC-reported offices and reported $419 million in assets on its most recent call report in Washington, Missouri.
How Bank of Franklin County appears on your credit report
This tradeline is furnished by Bank of Franklin County itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Missouri and operating 6 FDIC-reported offices, Bank of Franklin County handles disputes against its own records. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. 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 6 Missouri locations
- ◆Residential mortgage and home-equity lending in and around Washington
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute a Bank of Franklin County entry
Each of these is a reason a Bank of Franklin County tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Washington teller window credited a day late and reported as delinquent
- ◆Paid-in-full Bank of Franklin County loan continuing to report an outstanding balance
- ◆One Bank of Franklin County 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 Franklin County 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 Franklin County 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 Franklin County 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 Franklin County questions, answered
What is the FDIC certificate number for Bank of Franklin County?
It is insured, and certificate 35543 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Washington, MO, chartered August 28, 2000, reporting $419 million and 6 offices as of 06/30/2026.
Who regulates Bank of Franklin County, and where do I escalate if a dispute fails?
Bank of Franklin County answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Bank of Franklin County head office in Washington is the right address for the written record.
How many credit-card complaints does the CFPB show against Bank of Franklin County?
We do not publish a figure for Bank of Franklin County. 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.
When does a Bank of Franklin County charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying Bank of Franklin County 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.
What is the difference between disputing with Bank of Franklin County and disputing with a collector?
The distinction matters because of who holds the evidence. Bank of Franklin County originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Bank of Franklin County reaches the records themselves.
Will a Bank of Franklin County account show on all three reports?
There is no legal requirement to furnish to every bureau, and Bank of Franklin County, operating 6 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Bank of Franklin County.
I see duplicate Bank of Franklin County tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Bank of Franklin County has operated since 2000, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Is there a free way to dispute the Bank of Franklin County tradeline?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Bank of Franklin County are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Bank of Franklin County headquartered, and does that affect my dispute?
Bank of Franklin County is headquartered in Washington, Missouri, with 6 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Franklin County; 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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