Carolina Bank & Trust Co. on Your Credit Report
In short: Carolina Bank & Trust Co. is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC record lists certificate 16723, a charter dating to 1936, headquarters in Lamar, SC, and 14 FDIC-reported offices holding $845 million in assets as of 06/30/2026. When Carolina Bank & Trust Co. reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a 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 Carolina Bank & Trust Co. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Carolina Bank & Trust Co. was chartered March 3, 1936 and is insured under FDIC certificate 16723. It reported $845 million in total assets and 14 FDIC-reported offices on its 06/30/2026 call report — about $60 million per reported office across its SC footprint.
How Carolina Bank & Trust Co. appears on your credit report
Because Carolina Bank & Trust Co. is regional — $845 million in assets, 14 FDIC-reported offices, headquartered in Lamar, SC — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
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
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
Grounds to dispute a Carolina Bank & Trust Co. entry
Each of these is a reason a Carolina Bank & Trust Co. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account reported under a predecessor institution name after a merger into Carolina Bank & Trust Co.
- ◆Payment posted at Carolina Bank & Trust Co. in Lamar, SC but reported late because of a processing-date mismatch
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆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
Carolina Bank & Trust Co. 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, Carolina Bank & Trust Co. 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 Carolina Bank & Trust Co. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Carolina Bank & Trust Co. questions, answered
Is Carolina Bank & Trust Co. FDIC-insured, and what is its certificate number?
Yes. Carolina Bank & Trust Co. holds FDIC certificate 16723. The FDIC record shows a charter established March 3, 1936, headquarters in Lamar, SC, and 14 FDIC-reported offices with $845 million 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 Carolina Bank & Trust Co., and where do I escalate if a dispute fails?
Carolina Bank & Trust Co. 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 comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the SC state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Carolina Bank & Trust Co. charter, and why does that matter for my credit report?
Carolina Bank & Trust Co. was chartered in 1936, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 90-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask Carolina Bank & Trust Co. to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Carolina Bank & Trust Co., and what does that mean for disputing an account?
Carolina Bank & Trust Co. reports $845 million across 14 FDIC-reported offices — roughly $60 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Carolina Bank & Trust Co. account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Carolina Bank & Trust Co. as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Carolina Bank & Trust Co. can verify, and results vary from case to case.
Does SC law change anything about a Carolina Bank & Trust Co. account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Carolina Bank & Trust Co. being headquartered in Lamar, SC does not make SC law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Carolina Bank & Trust Co. account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on the Carolina Bank & Trust Co. account and never caught up on. It does not run from the charge-off date, the sale date, or the date Carolina Bank & Trust Co. last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does Carolina Bank & Trust Co. appear in the CFPB complaint database?
We do not publish a complaint figure for Carolina Bank & Trust Co.. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 16723, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Carolina Bank & Trust Co. and disputing with a collection agency?
An original creditor like Carolina Bank & Trust Co. and a collection agency are governed by different laws, and sending the wrong letter costs you time. Carolina Bank & Trust Co. is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 Carolina Bank & Trust Co.; 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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