Bank of Travelers Rest on Your Credit Report
In short: Bank of Travelers Rest is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Travelers Rest, SC on a charter established in 1946. FDIC certificate 16389 records 11 FDIC-reported offices and $1.6 billion in total assets on the 06/30/2026 call report. An account reported by Bank of Travelers Rest is furnished by the bank itself, so your FCRA §623 rights attach to Bank of Travelers Rest directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Travelers Rest actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Travelers Rest is a 80-year-old SC institution chartered March 10, 1946, operating 11 FDIC-reported offices with $1.6 billion in total assets as of the 06/30/2026 call report, under FDIC certificate 16389.
How Bank of Travelers Rest appears on your credit report
Disputing a Bank of Travelers Rest tradeline is not the same as disputing one from a national issuer. With $1.6 billion in assets across 11 offices, the bank's credit reporting is handled by far fewer people than at a large card company, so a well-documented letter frequently reaches someone with authority to correct the record rather than a scripted queue. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Deposit-secured personal lines of credit
- ◆Co-signed family and student-support loans
Grounds to dispute a Bank of Travelers Rest entry
Each of these is a reason a Bank of Travelers Rest tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Branch-acquired account duplicated under both the old and new bank name
- ◆Loan modified or deferred by Bank of Travelers Rest but still reporting the original delinquent status
- ◆Mortgage paid at closing but still showing an outstanding balance with Bank of Travelers Rest
- ◆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 Travelers Rest 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 Travelers Rest 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 Travelers Rest 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 Travelers Rest questions, answered
Is Bank of Travelers Rest FDIC-insured, and what is its certificate number?
Yes. Bank of Travelers Rest holds FDIC certificate 16389. The FDIC record shows a charter established March 10, 1946, headquarters in Travelers Rest, SC, and 11 FDIC-reported offices with $1.6 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Bank of Travelers Rest, and where do I escalate if a dispute fails?
Bank of Travelers Rest is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Bank of Travelers Rest?
None that can be attributed with confidence. Bank of Travelers Rest does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Bank of Travelers Rest would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Bank of Travelers Rest charge-off stay on my credit report?
A charged-off Bank of Travelers Rest account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Bank of Travelers Rest charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Bank of Travelers Rest and disputing with a collector?
Bank of Travelers Rest holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to Bank of Travelers Rest is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does Bank of Travelers Rest report to all three credit bureaus?
There is no single answer that holds for every community bank. Reporting is voluntary under the FCRA, and a bank the size of Bank of Travelers Rest — 11 offices, $1.6 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Bank of Travelers Rest account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Bank of Travelers Rest was acquired or changed names — why does my report show two accounts?
This is one of the most frequent duplicate-tradeline causes. A converted Bank of Travelers Rest account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1946, core-system conversions are the usual cause.
Can I dispute Bank of Travelers Rest reporting myself, without paying anyone?
Yes, and at no cost. You can write Bank of Travelers Rest directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Travelers Rest bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on Bank of Travelers Rest reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 80-year-old lender like Bank of Travelers Rest, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Travelers Rest; 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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