Bank of Washington on Your Credit Report
In short: Bank of Washington runs a state-chartered commercial bank that is not a member of the Federal Reserve System out of Washington, Missouri. Certificate 12627 puts the charter date at October 29, 1877, placing Bank of Washington in the nineteenth-century cohort of surviving charters. On the 06/30/2026 call report Bank of Washington reported $1.15 billion in assets and 7 offices. Since the loans are originated and held by Bank of Washington itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 Washington actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Washington operates 7 FDIC-reported offices out of Washington, Missouri, holding $1.15 billion in assets under certificate 12627 on a charter dating to October 29, 1877.
How Bank of Washington appears on your credit report
Bank of Washington is an original creditor, not a collector, and that changes the mechanics. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer loans written and serviced in-house
- ◆Home loans and home-equity lines originated locally in Missouri
- ◆Consumer accounts originated across its 7 Missouri offices
Grounds to dispute a Bank of Washington entry
Each of these is a reason a Bank of Washington tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payoff posted by Bank of Washington to the wrong account number
- ◆Balance not zeroed after Bank of Washington accepted a settlement
- ◆Single Bank of Washington loan appearing twice after a systems migration
- ◆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 Washington 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 Washington 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 Washington 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 Washington questions, answered
Is Bank of Washington FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 12627. That record lists Bank of Washington as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Washington, MO, chartered October 29, 1877, with $1.15 billion in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Bank of Washington, 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 Washington 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 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Bank of Washington?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Bank of Washington 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 Washington charge-off stay on my credit report?
About seven years from the original date of first delinquency on the Bank of Washington loan. Neither a charge-off entry nor a later sale to a collector resets it. If the Bank of Washington tradeline shows a delinquency date later than your own records support, that is re-aging and it is disputable on its own.
What is the difference between disputing with Bank of Washington and disputing with a collector?
The records sit in different places. Bank of Washington originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with Bank of Washington under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Bank of Washington report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming Bank of Washington made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
Bank of Washington 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 Washington migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors.
Can I dispute Bank of Washington reporting myself, without paying anyone?
Yes — entirely on your own and without a fee. Bank of Washington must investigate a §623 dispute from you just as it would from anyone else. Name the specific inaccurate field, file with the bureaus in parallel, and keep copies. Results depend on the underlying documentation.
What should I check first on Bank of Washington 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. Given that a charter from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors, pull your own statements and check the Bank of Washington 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 Washington; 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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