Bank of the Lowcountry on Your Credit Report
In short: Headquartered in Walterboro, South Carolina, Bank of the Lowcountry is a state-chartered commercial bank that is a member of the Federal Reserve System. The charter behind FDIC certificate 27496 dates to May 1, 1989 — a late-twentieth-century charter, so its reporting history largely begins inside electronic systems. As of the 06/30/2026 call report, Bank of the Lowcountry held $430 million in assets and operated 6 FDIC-reported offices. Accounts originated here are furnished by Bank of the Lowcountry 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 the Lowcountry actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of the Lowcountry appears in FDIC records as certificate 27496 — $430 million in total assets, 6 offices, headquartered in Walterboro, South Carolina, on a charter 37 years old as of 2026.
How Bank of the Lowcountry appears on your credit report
Bank of the Lowcountry 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. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
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 the Lowcountry deposit relationship
Grounds to dispute a Bank of the Lowcountry entry
Each of these is a reason a Bank of the Lowcountry tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account settled with Bank of the Lowcountry still reporting the original charged-off balance
- ◆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 the Lowcountry 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 the Lowcountry 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 the Lowcountry 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 the Lowcountry questions, answered
Is Bank of the Lowcountry FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 27496. That record lists Bank of the Lowcountry as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Walterboro, SC, chartered May 1, 1989, with $430 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Bank of the Lowcountry, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, Bank of the Lowcountry answers primarily to the Federal Reserve and its state banking regulator, with the FDIC as deposit insurer. 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 the Lowcountry?
None is listed. Bank of the Lowcountry did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a Bank of the Lowcountry 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 the Lowcountry account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Bank of the Lowcountry and disputing with a collector?
Bank of the Lowcountry is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Bank of the Lowcountry reaches the source documents instead.
Does Bank of the Lowcountry 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 the Lowcountry, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Bank of the Lowcountry 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 the Lowcountry 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 late-twentieth-century charter, so its reporting history largely begins inside electronic systems.
Can I dispute Bank of the Lowcountry 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 the Lowcountry 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 the Lowcountry 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. Match the Bank of the Lowcountry entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
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 the Lowcountry; 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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