Eagle Bank and Trust Company on Your Credit Report
In short: Headquartered in Little Rock, AR, Eagle Bank and Trust Company has operated under FDIC certificate 3873 since its charter was established in 1919. Its 06/30/2026 call report shows $506 million in total assets and 13 FDIC-reported offices. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. An account reported by Eagle Bank and Trust Company is furnished by the bank itself, so your FCRA §623 rights attach to Eagle Bank and Trust Company directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Eagle Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Eagle Bank and Trust Company was chartered January 1, 1919 and is insured under FDIC certificate 3873. It reported $506 million in total assets and 13 FDIC-reported offices on its 06/30/2026 call report — about $39 million per reported office across its AR footprint.
How Eagle Bank and Trust Company appears on your credit report
With $506 million across 13 FDIC-reported offices, Eagle Bank and Trust Company sits well below the national card issuers in scale. That matters for a dispute: a community-scale bank in Little Rock, AR 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
- ◆Deposit-secured and share-secured credit lines opened at Eagle Bank and Trust Company
- ◆Home-equity lines and mortgage accounts serviced under the Eagle Bank and Trust Company name
- ◆Personal installment loans originated at Eagle Bank and Trust Company offices
Grounds to dispute a Eagle Bank and Trust Company entry
Each of these is a reason a Eagle 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.
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed Eagle Bank and Trust Company deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by Eagle Bank and Trust Company but still reporting the original delinquent status
- ◆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
Eagle 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, Eagle 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 Eagle 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.
Eagle Bank and Trust Company questions, answered
Is Eagle Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes. Eagle Bank and Trust Company holds FDIC certificate 3873. The FDIC record shows a charter established January 1, 1919, headquarters in Little Rock, AR, and 13 FDIC-reported offices with $506 million 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 Federal Reserve and its state regulator.
Who regulates Eagle Bank and Trust Company, and where do I escalate if a dispute fails?
Eagle Bank and Trust Company is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the AR 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 Eagle Bank and Trust Company charter, and why does that matter for my credit report?
Eagle Bank and Trust Company was chartered in 1919, 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 107-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 Eagle Bank and Trust Company to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Eagle Bank and Trust Company, and what does that mean for disputing an account?
Eagle Bank and Trust Company reports $506 million across 13 FDIC-reported offices — roughly $39 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 an Eagle Bank and Trust Company 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 Eagle Bank and Trust Company 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 Eagle Bank and Trust Company can verify, and results vary from case to case.
Does AR law change anything about an Eagle Bank and Trust Company 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. Eagle Bank and Trust Company being headquartered in Little Rock, AR does not make AR 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 an Eagle Bank and Trust Company account stay on my credit report?
About seven years, measured from the date of first delinquency on the Eagle Bank and Trust Company account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency Eagle Bank and Trust Company furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does Eagle Bank and Trust Company appear in the CFPB complaint database?
We do not publish a complaint figure for Eagle Bank and Trust Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 3873, 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 Eagle Bank and Trust Company and disputing with a collection agency?
Eagle Bank and Trust Company is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to Eagle Bank and Trust Company; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Eagle 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.