First Lockhart Bank on Your Credit Report
In short: First Lockhart Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Lockhart, Texas. Certificate 13599 was issued against a charter dating to January 9, 1934, a charter older than the FDIC itself. At the 06/30/2026 reporting date the bank showed $416 million in total assets and 6 FDIC-reported offices. First Lockhart Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Lockhart Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Lockhart Bank carries FDIC certificate 13599, operates 6 FDIC-reported offices and reported $416 million in assets on its most recent call report in Lockhart, Texas.
How First Lockhart Bank appears on your credit report
This tradeline is furnished by First Lockhart Bank itself, not purchased from another lender, which means the source documents are held in-house. With a Texas charter and 6 FDIC-reported offices, First Lockhart Bank adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 6 Texas locations
- ◆Home-equity lines and residential mortgages originated near Lockhart
- ◆Small-business credit backed by a personal pledge
Grounds to dispute a First Lockhart Bank entry
Each of these is a reason a First Lockhart Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Lockhart teller window credited a day late and reported as delinquent
- ◆Paid-in-full First Lockhart Bank loan continuing to report an outstanding balance
- ◆One First Lockhart Bank obligation appearing as two tradelines after a core-system conversion
- ◆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 Lockhart Bank 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 Lockhart Bank 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 Lockhart Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Lockhart Bank questions, answered
Is First Lockhart Bank FDIC-insured, and what is its certificate number?
It is insured, and certificate 13599 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Lockhart, TX, chartered January 9, 1934, reporting $416 million and 6 offices as of 06/30/2026.
Which regulator oversees First Lockhart Bank?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever First Lockhart Bank tells you.
How many credit-card complaints does the CFPB show against First Lockhart Bank?
We do not publish a figure for First Lockhart Bank. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
What is the reporting limit on a First Lockhart Bank account?
The seven-year window runs from first delinquency on the underlying First Lockhart Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
Is it better to go to First Lockhart Bank or to the collector?
First Lockhart Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to First Lockhart Bank puts the question to the party that can actually check it against source documents.
Will a First Lockhart Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so First Lockhart Bank — 6 offices in Texas — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate First Lockhart Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First Lockhart Bank has operated since 1934, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Is there a free way to dispute the First Lockhart Bank tradeline?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First Lockhart Bank are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is First Lockhart Bank headquartered, and does that affect my dispute?
First Lockhart Bank is based in Lockhart, Texas and reports 6 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Lockhart Bank; 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.