Cedar Rapids Bank and Trust Company on Your Credit Report
In short: Cedar Rapids Bank and Trust Company operates from Cedar Rapids, Iowa, as a state-chartered commercial bank that is a member of the Federal Reserve System. The FDIC lists it under certificate 57244, established September 14, 2001 — a charter granted during the era of interstate branching, so its records were computerised from the outset. Its 06/30/2026 call report shows $2.9 billion in total assets across 9 reported offices. Because Cedar Rapids Bank and Trust Company lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 Cedar Rapids Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cedar Rapids Bank and Trust Company holds FDIC certificate 57244, chartered September 14, 2001 in Cedar Rapids, Iowa (25 years old), and reported $2.9 billion in total assets across 9 offices on the 06/30/2026 call report.
How Cedar Rapids Bank and Trust Company appears on your credit report
Handling a Cedar Rapids Bank and Trust Company entry differs from disputing a national issuer's tradeline. At this size the bank has a formal compliance function but nothing like a national issuer's scripted dispute queue, so documentary evidence carries unusual weight. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. Outcomes depend on what the bank's own records show, and vary from case to case.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and signature loans originated in-branch
- ◆Home-equity and mortgage lending secured by Iowa property
- ◆Consumer accounts originated across its 9 Iowa offices
Grounds to dispute a Cedar Rapids Bank and Trust Company entry
Each of these is a reason a Cedar Rapids Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Iowa mortgage paid at closing but still showing a balance with Cedar Rapids Bank and Trust Company
- ◆Charge-off reported by Cedar Rapids Bank and Trust Company after the account was settled in full
- ◆Fed-member reporting cycle posting a balance out of step with the statement date
- ◆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
Cedar Rapids Bank and Trust Company 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, Cedar Rapids Bank and Trust Company 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 Cedar Rapids Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cedar Rapids Bank and Trust Company questions, answered
Is Cedar Rapids Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes. Cedar Rapids Bank and Trust Company holds FDIC certificate 57244. The FDIC record shows a charter established September 14, 2001, headquarters in Cedar Rapids, IA, and 9 FDIC-reported offices with $2.9 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Cedar Rapids Bank and Trust Company, and where do I escalate if a dispute fails?
Cedar Rapids Bank and Trust Company is a state-chartered commercial bank that is a member of the Federal Reserve System, so its primary federal oversight runs through the Federal Reserve 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 Cedar Rapids Bank and Trust Company?
We do not publish a figure for Cedar Rapids Bank and Trust Company. A 9-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Cedar Rapids Bank and Trust Company would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Cedar Rapids Bank and Trust Company charge-off stay on my credit report?
A charged-off Cedar Rapids Bank and Trust Company 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 Cedar Rapids Bank and Trust Company 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 Cedar Rapids Bank and Trust Company and disputing with a collector?
Cedar Rapids Bank and Trust Company is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Cedar Rapids Bank and Trust Company reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Cedar Rapids Bank and Trust Company report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Cedar Rapids Bank and Trust Company's own arrangements. A lender with 9 offices and $2.9 billion in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Cedar Rapids Bank and Trust Company account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Cedar Rapids Bank and Trust Company was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Cedar Rapids Bank and Trust Company account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Even a modern charter can duplicate a tradeline after a branch acquisition. Identify both versions by last four digits and open date when you dispute.
Can I dispute Cedar Rapids Bank and Trust Company reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Cedar Rapids Bank and Trust Company a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Cedar Rapids Bank and Trust Company reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. Because this charter was computerised early, genuine errors here are more often cycle-timing than conversion damage. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Cedar Rapids Bank and Trust Company; 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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