Bloomsdale Bank on Your Credit Report
In short: Headquartered in Bloomsdale, Missouri, Bloomsdale Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Certificate 9788 was issued against a charter dating to May 1, 1914, a charter older than the FDIC itself. As of the 06/30/2026 call report, Bloomsdale Bank held $390 million in assets and operated 5 FDIC-reported offices. Bloomsdale Bank 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 Bloomsdale Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bloomsdale Bank carries FDIC certificate 9788, operates 5 FDIC-reported offices and reported $390 million in assets on its most recent call report in Bloomsdale, Missouri.
How Bloomsdale Bank appears on your credit report
Because Bloomsdale Bank originated the account, it furnishes the tradeline directly and holds the original file. With a Missouri charter and 5 FDIC-reported offices, Bloomsdale Bank adjudicates these disputes internally. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. 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 5 Missouri locations
- ◆Purchase-money mortgages and home-equity draws written in the Bloomsdale area
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a Bloomsdale Bank entry
Each of these is a reason a Bloomsdale Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Bloomsdale posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Bloomsdale Bank completed the payoff
- ◆One Bloomsdale Bank 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
Bloomsdale Bank 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, Bloomsdale Bank 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 Bloomsdale Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bloomsdale Bank questions, answered
Does the FDIC insure deposits at Bloomsdale Bank?
Certificate 9788 is the FDIC record for Bloomsdale Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Bloomsdale, MO, with a charter dating to May 1, 1914; the 06/30/2026 call report shows $390 million in assets and 5 offices.
Which regulator oversees Bloomsdale Bank?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Bloomsdale Bank tells you.
How many credit-card complaints does the CFPB show against Bloomsdale Bank?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Bloomsdale Bank, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
What is the reporting limit on a Bloomsdale Bank account?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Bloomsdale Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to Bloomsdale Bank or to the collector?
Go to whoever holds the documents. Bloomsdale Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Bloomsdale Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Bloomsdale Bank furnish to Equifax, Experian and TransUnion?
Furnishing is voluntary under the FCRA, so Bloomsdale Bank — 5 offices in Missouri — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
Why does one Bloomsdale Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Bloomsdale Bank has operated since 1914, 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.
Do I need to hire someone to dispute a Bloomsdale Bank entry?
No payment is required. Writing to the bureaus under §611 or to Bloomsdale Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Bloomsdale Bank headquartered, and does that affect my dispute?
Bloomsdale Bank is based in Bloomsdale, Missouri and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Bloomsdale Bank; 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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