Bank of Labor on Your Credit Report
In short: Bank of Labor is a regional lender operating as a state-chartered commercial bank that is not a member of the Federal Reserve System, based in Overland Park, Kansas. FDIC certificate 1874 records the charter as established September 2, 1924. That makes it a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. As of the 06/30/2026 call report, Bank of Labor held $1.11 billion in assets and operated 6 FDIC-reported offices. Accounts originated here are furnished by Bank of Labor 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 Labor actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Labor is recorded by the FDIC under certificate 1874 as a state-chartered commercial bank that is not a member of the Federal Reserve System, established September 2, 1924 in Overland Park, Kansas, with $1.11 billion in assets and 6 offices as of 06/30/2026.
How Bank of Labor appears on your credit report
Bank of Labor is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Small-business and agricultural credit carrying a personal guaranty
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a Bank of Labor deposit relationship
Grounds to dispute a Bank of Labor entry
Each of these is a reason a Bank of Labor tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by Bank of Labor
- ◆Duplicate tradeline created when Bank of Labor converted its loan platform
- ◆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 Labor 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 Labor 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 Labor 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 Labor questions, answered
Is Bank of Labor FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 1874. That record lists Bank of Labor as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Overland Park, KS, chartered September 2, 1924, with $1.11 billion in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Bank of Labor, 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 Labor answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Bank of Labor?
We do not publish a figure for Bank of Labor. An exact-name query against the CFPB's credit-card complaint company list returned no match, and partial-name matching is unreliable enough to attach another company's complaints to this one. The public database at consumerfinance.gov is searchable directly.
How long can a Bank of Labor 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 Labor 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 Labor and disputing with a collector?
Bank of Labor 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 Labor tends to resolve factual questions a collector simply cannot answer.
Does Bank of Labor report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Bank of Labor, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Bank of Labor 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 Labor 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 Labor 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. Put the challenge to Bank of Labor in writing, name one field, mirror it to the bureaus, and keep copies. Results vary with what the documentation supports.
What should I check first on Bank of Labor 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. Compare the Bank of Labor tradeline against your own statements line by line; a single provable discrepancy is worth more than a general complaint.
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 Labor; 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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