FBT Bank & Mortgage on Your Credit Report
In short: FBT Bank & Mortgage, based in Fordyce, Arkansas, is a state-chartered commercial bank that is a member of the Federal Reserve System. FDIC records place the charter date at January 6, 1931 under certificate 1028; it is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. On the 06/30/2026 call report the bank reported $264 million in assets, served from 5 FDIC-reported offices. Because FBT Bank & Mortgage furnishes its own tradelines, you can dispute through the bureaus under §611 and directly with the bank under §623. 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 FBT Bank & Mortgage actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FBT Bank & Mortgage holds FDIC certificate 1028, chartered January 6, 1931 in Fordyce, Arkansas (95 years old), and reported $264 million in total assets across 5 offices on the 06/30/2026 call report.
How FBT Bank & Mortgage appears on your credit report
FBT Bank & Mortgage is an original creditor, not a collector, and that changes the mechanics. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Identify the account precisely, challenge one field at a time, and keep proof of mailing. What changes depends on what FBT Bank & Mortgage can verify, and that differs case to case.
Names it may report under
Products that commonly show up
- ◆Small-business and agricultural credit carrying a personal guaranty
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a FBT Bank & Mortgage deposit relationship
Grounds to dispute a FBT Bank & Mortgage entry
Each of these is a reason a FBT Bank & Mortgage tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account settled with FBT Bank & Mortgage still reporting the original charged-off balance
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due 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
FBT Bank & Mortgage 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, FBT Bank & Mortgage 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 FBT Bank & Mortgage a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
FBT Bank & Mortgage questions, answered
Is FBT Bank & Mortgage FDIC-insured, and what is its certificate number?
Deposits are insured under FDIC certificate 1028. The FDIC record shows a state-chartered commercial bank that is a member of the Federal Reserve System in Fordyce, AR, chartered January 6, 1931, holding $264 million across 5 offices on the 06/30/2026 call report.
Who regulates FBT Bank & Mortgage, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, FBT Bank & Mortgage answers primarily to the Federal Reserve and its state banking regulator, with the FDIC as deposit insurer. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against FBT Bank & Mortgage?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched FBT Bank & Mortgage 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 an FBT Bank & Mortgage charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the FBT Bank & Mortgage account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with FBT Bank & Mortgage and disputing with a collector?
FBT Bank & Mortgage is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to FBT Bank & Mortgage reaches the source documents instead.
Does FBT Bank & Mortgage report to all three credit bureaus?
Nothing in the FCRA compels a furnisher to report to all three nationwide bureaus, so coverage can be uneven. Compare all three files first. With FBT Bank & Mortgage, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
FBT Bank & Mortgage was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When FBT Bank & Mortgage migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute FBT Bank & Mortgage reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to FBT Bank & Mortgage naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on FBT Bank & Mortgage reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Pull your own statements and check the FBT Bank & Mortgage entry field by field. One documented error beats a broad removal request every time.
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 FBT Bank & Mortgage; 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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