Extraco Banks on Your Credit Report
In short: Headquartered in Temple, TX, Extraco Banks has operated under FDIC certificate 5551 since its charter was established in 1933. Its 06/30/2026 call report shows $2.6 billion in total assets and 16 FDIC-reported offices. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System. Any account it reports makes Extraco Banks the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against the 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 Extraco Banks actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Extraco Banks has been in continuous operation for 93 years, chartered September 20, 1933 and carried on the FDIC's books as certificate 5551. Its 06/30/2026 call report shows 16 FDIC-reported offices and $2.6 billion in total assets, averaging roughly $161 million per office.
How Extraco Banks appears on your credit report
Extraco Banks is a community-scale lender headquartered in Temple, TX, with 16 FDIC-reported offices and $2.6 billion in assets, on a charter 93 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Auto and other secured consumer loans booked at Extraco Banks offices
- ◆Deposit accounts charged off to a negative balance
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a Extraco Banks entry
Each of these is a reason a Extraco Banks tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdrawn deposit account charged off and reported without the itemisation required before collection
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Account transferred between Extraco Banks systems after a core conversion and duplicated
- ◆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
Extraco Banks 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, Extraco Banks 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 Extraco Banks a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Extraco Banks questions, answered
Is Extraco Banks FDIC-insured, and what is its certificate number?
Yes. Extraco Banks holds FDIC certificate 5551. The FDIC record shows a charter established September 20, 1933, headquarters in Temple, TX, and 16 FDIC-reported offices with $2.6 billion in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
Who regulates Extraco Banks, and where do I escalate if a dispute fails?
Extraco Banks is a national bank, so its primary federal regulator is the Office of the Comptroller of the Currency rather than the FDIC. If a dispute with the bank and with the credit bureaus both fail, the OCC operates its own consumer-complaint process (HelpWithMyBank.gov) for national banks, and the CFPB accepts complaints as well. Choosing the right regulator does not change your FCRA rights, but it does route the complaint to the agency that actually supervises Extraco Banks.
How old is the Extraco Banks charter, and why does that matter for my credit report?
Extraco Banks was chartered in 1933, before or around the creation of federal deposit insurance in 1933. Institutions of this vintage have usually absorbed other banks along the way, which matters on a credit report because an account can still carry a predecessor's name in the furnisher field. If the name on the tradeline does not match the bank you deal with today, that is worth clarifying in writing before disputing the substance.
How big is Extraco Banks, and what does that mean for disputing an account?
Extraco Banks reports $2.6 billion across 16 FDIC-reported offices — roughly $161 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 Extraco Banks 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 Extraco Banks 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 Extraco Banks can verify, and results vary from case to case.
Does TX law change anything about an Extraco Banks 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. Extraco Banks being headquartered in Temple, TX does not make TX 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 Extraco Banks account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Extraco Banks 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 Extraco Banks 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 Extraco Banks appear in the CFPB complaint database?
We do not publish a complaint figure for Extraco Banks. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 5551, 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 Extraco Banks and disputing with a collection agency?
Extraco Banks 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 Extraco Banks; 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 Extraco Banks; 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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