Clare Bank, National Association on Your Credit Report
In short: Clare Bank, National Association is a national bank chartered by the Office of the Comptroller of the Currency, operating from Platteville, Wisconsin. FDIC records place the charter's origin at October 28, 1905 and assign it certificate 1022. The 06/30/2026 call report lists $332 million in assets across 8 FDIC-reported offices. Because Clare Bank, National Association originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 Clare Bank, National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Clare Bank, National Association carries FDIC certificate 1022, operates 8 FDIC-reported offices and reported $332 million in assets on its most recent call report in Platteville, Wisconsin.
How Clare Bank, National Association appears on your credit report
Clare Bank, National Association is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Clare Bank, National Association, and file the §611 dispute in parallel. the Clare Bank, National Association reviews these internally from Platteville, Wisconsin. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Clare Bank, National Association checking accounts
- ◆Installment loans originated across the 8 Wisconsin offices of Clare Bank, National Association
- ◆Construction and lot loans underwritten locally by Clare Bank, National Association in Platteville
Grounds to dispute a Clare Bank, National Association entry
Each of these is a reason a Clare Bank, National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with Clare Bank, National Association failed and the missed cycle reported before notice reached you
- ◆Paid-in-full Clare Bank, National Association loan still showing a balance after the payoff cleared
- ◆Clare Bank, National Association tradeline reporting a credit limit that was never approved in writing
- ◆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
Clare Bank, National Association 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, Clare Bank, National Association 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 Clare Bank, National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Clare Bank, National Association questions, answered
Does the FDIC insure deposits at Clare Bank, National Association?
It is insured, and certificate 1022 is the number to quote. The FDIC lists a national bank chartered by the Office of the Comptroller of the Currency, headquartered Platteville, WI, chartered October 28, 1905, reporting $332 million and 8 offices as of 06/30/2026.
Which regulator oversees Clare Bank, National Association?
Supervision sits with the Office of the Comptroller of the Currency. When both the §611 bureau dispute and the §623 direct dispute to Clare Bank, National Association come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Clare Bank, National Association head office in Platteville, Wisconsin.
How many credit-card complaints does the CFPB show against Clare Bank, National Association?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Clare Bank, National Association 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 Clare Bank, National Association charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Clare Bank, National Association account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Clare Bank, National Association and disputing with a collector?
The records live in different places. As the original creditor, Clare Bank, National Association holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Clare Bank, National Association therefore lands where the evidence actually is.
Does Clare Bank, National Association report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Clare Bank, National Association — 8 offices in Wisconsin — 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.
I see duplicate Clare Bank, National Association tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Clare Bank, National Association has operated since 1905, 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.
Can I dispute a Clare Bank, National Association account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Clare Bank, National Association 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 Clare Bank, National Association headquartered, and does that affect my dispute?
Clare Bank, National Association is headquartered in Platteville, Wisconsin, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Clare Bank, National Association; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.