First Bankers Trust Company, National Association on Your Credit Report
In short: First Bankers Trust Company, National Association is a nationally chartered commercial bank, headquartered in Quincy, Illinois. The FDIC lists it under certificate 16501, established October 23, 1946. Its mid-century charter means the bank's records span multiple eras of consumer-reporting practice. On the 06/30/2026 call report it reported $1.22 billion in total assets and 9 FDIC-reported offices. Lending from its own balance sheet makes First Bankers Trust Company, National Association the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. 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 First Bankers Trust Company, National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Bankers Trust Company, National Association operates under FDIC certificate 16501 from Quincy, Illinois, where its charter has run since October 23, 1946; the 06/30/2026 call report shows $1.22 billion in total assets and 9 FDIC-reported offices.
How First Bankers Trust Company, National Association appears on your credit report
First Bankers Trust Company, National Association is an original creditor, not a collector, and that changes the mechanics. At $1.22 billion in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Illinois offices
- ◆Residential mortgage and HELOC accounts secured by Illinois real estate
- ◆Consumer accounts originated across its 9 Illinois offices
Grounds to dispute a First Bankers Trust Company, National Association entry
Each of these is a reason a First Bankers Trust Company, National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by First Bankers Trust Company, National Association
- ◆Account settled with First Bankers Trust Company, National Association still reporting the original charged-off balance
- ◆Duplicate First Bankers Trust Company, National Association tradeline created when the account migrated between core systems
- ◆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
First Bankers Trust Company, 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, First Bankers Trust Company, 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 First Bankers Trust Company, 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.
First Bankers Trust Company, National Association questions, answered
Is First Bankers Trust Company, National Association FDIC-insured, and what is its certificate number?
Yes. First Bankers Trust Company, National Association holds FDIC certificate 16501. The FDIC record shows a charter established October 23, 1946, headquarters in Quincy, IL, and 9 FDIC-reported offices with $1.22 billion in total assets as of the 06/30/2026 call report. It is a nationally chartered commercial bank, supervised by the Office of the Comptroller of the Currency (OCC).
Who regulates First Bankers Trust Company, National Association, and where do I escalate if a dispute fails?
As a nationally chartered commercial bank, First Bankers Trust Company, National Association answers primarily to the Office of the Comptroller of the Currency (OCC). When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First Bankers Trust Company, National Association?
We do not publish a figure for First Bankers Trust Company, National Association. A 9-office mid-size regional bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First Bankers Trust Company, National Association would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a First Bankers Trust Company, National Association charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First Bankers Trust Company, National Association account. That anchor date does not reset when the balance is charged off, sold, or transferred. A First Bankers Trust Company, National Association tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with First Bankers Trust Company, National Association and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. First Bankers Trust Company, National Association's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to First Bankers Trust Company, National Association tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does First Bankers Trust Company, National Association report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a mid-size regional institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the First Bankers Trust Company, National Association tradeline as a genuine dispute target.
First Bankers Trust Company, National Association was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate, a First Bankers Trust Company, National Association account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute First Bankers Trust Company, National Association reporting myself, without paying anyone?
Entirely. Nothing about disputing First Bankers Trust Company, National Association reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on First Bankers Trust Company, National Association reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With First Bankers Trust Company, National Association, a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 First Bankers Trust Company, 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.
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