First Midwest Bank of Dexter on Your Credit Report
In short: Headquartered in Dexter, Missouri, First Midwest Bank of Dexter is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 19001 dates to January 15, 1964. At the 06/30/2026 reporting date the bank showed $652 million in total assets and 8 FDIC-reported offices. First Midwest Bank of Dexter 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 Midwest Bank of Dexter actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Midwest Bank of Dexter carries FDIC certificate 19001, operates 8 FDIC-reported offices and reported $652 million in assets on its most recent call report in Dexter, Missouri.
How First Midwest Bank of Dexter appears on your credit report
Because First Midwest Bank of Dexter originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to First Midwest Bank of Dexter therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Missouri, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by First Midwest Bank of Dexter in Missouri
- ◆Home-improvement and second-lien lending booked near Dexter
- ◆Commercial and owner-occupied real-estate credit held by First Midwest Bank of Dexter
Grounds to dispute a First Midwest Bank of Dexter entry
Each of these is a reason a First Midwest Bank of Dexter tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Dexter posted after the due date and reported 30 days late
- ◆Balance not updated to zero after First Midwest Bank of Dexter completed the payoff
- ◆Duplicate First Midwest Bank of Dexter tradeline created when the loan was renumbered internally
- ◆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 Midwest Bank of Dexter 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 Midwest Bank of Dexter 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 Midwest Bank of Dexter a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Midwest Bank of Dexter questions, answered
Does the FDIC insure deposits at First Midwest Bank of Dexter?
Yes — First Midwest Bank of Dexter appears in FDIC BankFind under certificate 19001. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Dexter, MO, with a charter dated January 15, 1964, $652 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises First Midwest Bank of Dexter if a dispute goes nowhere?
First Midwest Bank of Dexter answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The First Midwest Bank of Dexter head office in Dexter is the right address for the written record.
How many credit-card complaints does the CFPB show against First Midwest Bank of Dexter?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Midwest Bank of Dexter 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 a First Midwest Bank of Dexter charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First Midwest Bank of Dexter 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.
What is the difference between disputing with First Midwest Bank of Dexter and disputing with a collector?
The records live in different places. As the original creditor, First Midwest Bank of Dexter holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at First Midwest Bank of Dexter therefore lands where the evidence actually is.
Does First Midwest Bank of Dexter report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First Midwest Bank of Dexter — 8 offices in Missouri — 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 Midwest Bank of Dexter tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First Midwest Bank of Dexter has operated since 1964, 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.
Can I dispute a First Midwest Bank of Dexter account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Midwest Bank of Dexter under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is First Midwest Bank of Dexter headquartered, and does that affect my dispute?
First Midwest Bank of Dexter is headquartered in Dexter, Missouri, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Midwest Bank of Dexter; 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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