First Kentucky Bank, Inc. on Your Credit Report
In short: First Kentucky Bank, Inc. is a KY-based institution — specifically a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator — that has held a charter since 1899 and appears in the FDIC directory as certificate 21247. Its most recent call report, dated 06/30/2026, shows 11 FDIC-reported offices and $586 million in assets. Any tradeline carrying the First Kentucky Bank, Inc. name is furnished by the bank, not by a servicer, so disputes under FCRA §623 go straight to the institution that holds the records. 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 Kentucky Bank, Inc. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Kentucky Bank, Inc. holds FDIC certificate 21247 on a charter established January 1, 1899, and reports $586 million in total assets across 11 FDIC-reported offices on its 06/30/2026 call report — about $53 million per office for a bank headquartered in Mayfield, KY.
How First Kentucky Bank, Inc. appears on your credit report
As an original creditor chartered in 1899, First Kentucky Bank, Inc. furnishes directly and holds the source documents for every account it reports. With only 11 offices and $586 million in assets, there is rarely a dedicated credit-reporting department; disputes are commonly routed to lending or operations staff who can pull the actual file. A short, specific letter that points to one incorrect field usually gets a cleaner response than a broad demand to remove the account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
- ◆Overdraft lines attached to a checking account
- ◆Residential mortgages retained in portfolio rather than sold to an investor
Grounds to dispute a First Kentucky Bank, Inc. entry
Each of these is a reason a First Kentucky Bank, Inc. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan modified or deferred by First Kentucky Bank, Inc. but still reporting the original delinquent status
- ◆Joint account reporting solely against a non-borrowing spouse
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆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 Kentucky Bank, Inc. 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 Kentucky Bank, Inc. 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 Kentucky Bank, Inc. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Kentucky Bank, Inc. questions, answered
Is First Kentucky Bank, Inc. FDIC-insured, and what is its certificate number?
Yes. First Kentucky Bank, Inc. holds FDIC certificate 21247. The FDIC record shows a charter established January 1, 1899, headquarters in Mayfield, KY, and 11 FDIC-reported offices with $586 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates First Kentucky Bank, Inc., and where do I escalate if a dispute fails?
First Kentucky Bank, Inc. is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against First Kentucky Bank, Inc.?
None that can be attributed with confidence. First Kentucky Bank, Inc. does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First Kentucky Bank, Inc. would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a First Kentucky Bank, Inc. charge-off stay on my credit report?
A charged-off First Kentucky Bank, Inc. account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date First Kentucky Bank, Inc. charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with First Kentucky Bank, Inc. and disputing with a collector?
First Kentucky Bank, Inc. holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to First Kentucky Bank, Inc. is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does First Kentucky Bank, Inc. report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of First Kentucky Bank, Inc. — 11 offices, $586 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a First Kentucky Bank, Inc. account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
First Kentucky Bank, Inc. was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted First Kentucky Bank, Inc. account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1899, core-system conversions are the usual cause.
Can I dispute First Kentucky Bank, Inc. reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send First Kentucky Bank, Inc. a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on First Kentucky Bank, Inc. reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 127-year-old lender like First Kentucky Bank, Inc., older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Kentucky Bank, Inc.; 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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