Davidson Trust Co. on Your Credit Report
In short: Davidson Trust Co. is a state-chartered savings bank supervised by the FDIC and its state regulator, operating from Great Falls, MT on a charter established in 2001. FDIC certificate 35510 records 14 FDIC-reported offices and $13 million in total assets on the 06/30/2026 call report. Because Davidson Trust Co. furnishes the tradeline itself, the FCRA §623 accuracy duty runs directly against the bank — so you can dispute with it as well as with 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 Davidson Trust Co. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Davidson Trust Co. was chartered January 1, 2001 and is insured under FDIC certificate 35510. It reported $13 million in total assets and 14 FDIC-reported offices on its 06/30/2026 call report — about $943 thousand per reported office across its MT footprint.
How Davidson Trust Co. appears on your credit report
With $13 million across 14 FDIC-reported offices, Davidson Trust Co. sits well below the national card issuers in scale. That matters for a dispute: a community-scale bank in Great Falls, MT is more likely to route your letter to a named person than to an automated queue, so citing the specific field in error — balance, status, date of first delinquency — usually gets further than a blanket denial of the debt.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Auto and other secured consumer loans booked at Davidson Trust Co. offices
Grounds to dispute a Davidson Trust Co. entry
Each of these is a reason a Davidson Trust Co. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Automatic-payment enrolment that lapsed at Davidson Trust Co. without notice, producing a late mark
- ◆Account transferred between Davidson Trust Co. systems after a core conversion and duplicated
- ◆Account reported under a predecessor institution name after a merger into Davidson Trust Co.
- ◆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
Davidson 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, Davidson 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 Davidson 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.
Davidson Trust Co. questions, answered
Is Davidson Trust Co. FDIC-insured, and what is its certificate number?
Yes. Davidson Trust Co. holds FDIC certificate 35510. The FDIC record shows a charter established January 1, 2001, headquarters in Great Falls, MT, and 14 FDIC-reported offices with $13 million in total assets as of the 06/30/2026 call report. It is a state-chartered savings bank supervised by the FDIC and its state regulator.
Who regulates Davidson Trust Co., and where do I escalate if a dispute fails?
Davidson Trust Co. is a state-chartered savings bank 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 MT 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 Davidson Trust Co. charter, and why does that matter for my credit report?
Davidson Trust Co. is a comparatively modern charter, established January 1, 2001. A newer institution will not have the long merger chain older banks carry, so the furnisher name on your report should match the bank you actually dealt with. If it does not, that is itself a reason to dispute: the FCRA requires the furnisher to be identified accurately.
How big is Davidson Trust Co., and what does that mean for disputing an account?
Davidson Trust Co. reports $13 million across 14 FDIC-reported offices — roughly $943 thousand 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 Davidson 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 Davidson 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 Davidson Trust Co. can verify, and results vary from case to case.
Does MT law change anything about a Davidson 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. Davidson Trust Co. being headquartered in Great Falls, MT does not make MT 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 Davidson Trust Co. account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Davidson Trust Co. account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If Davidson Trust Co. or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does Davidson Trust Co. appear in the CFPB complaint database?
We do not publish a complaint figure for Davidson Trust Co.. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 35510, 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 Davidson Trust Co. and disputing with a collection agency?
An original creditor like Davidson Trust Co. and a collection agency are governed by different laws, and sending the wrong letter costs you time. Davidson 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 Davidson 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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