First National Bank and Trust Company of Newtown on Your Credit Report
In short: First National Bank and Trust Company of Newtown is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System, operating from Newtown, PA on a charter established in 1864. FDIC certificate 7658 records 14 FDIC-reported offices and $1.17 billion in total assets on the 06/30/2026 call report. Any account it reports makes First National Bank and Trust Company of Newtown the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against the bureaus. 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 National Bank and Trust Company of Newtown actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank and Trust Company of Newtown has been in continuous operation for 162 years, chartered February 25, 1864 and carried on the FDIC's books as certificate 7658. Its 06/30/2026 call report shows 14 FDIC-reported offices and $1.17 billion in total assets, averaging roughly $83 million per office.
How First National Bank and Trust Company of Newtown appears on your credit report
First National Bank and Trust Company of Newtown is a regional lender headquartered in Newtown, PA, with 14 FDIC-reported offices and $1.17 billion in assets, on a charter 162 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Credit lines tied to a First National Bank and Trust Company of Newtown relationship account
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a First National Bank and Trust Company of Newtown entry
Each of these is a reason a First National Bank and Trust Company of Newtown tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account transferred between First National Bank and Trust Company of Newtown systems after a core conversion and duplicated
- ◆Account reported under a predecessor institution name after a merger into First National Bank and Trust Company of Newtown
- ◆Payment posted at First National Bank and Trust Company of Newtown in Newtown, PA but reported late because of a processing-date mismatch
- ◆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 National Bank and Trust Company of Newtown 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 National Bank and Trust Company of Newtown 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 National Bank and Trust Company of Newtown a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First National Bank and Trust Company of Newtown questions, answered
Is First National Bank and Trust Company of Newtown FDIC-insured, and what is its certificate number?
Yes. First National Bank and Trust Company of Newtown holds FDIC certificate 7658. The FDIC record shows a charter established February 25, 1864, headquarters in Newtown, PA, and 14 FDIC-reported offices with $1.17 billion in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
Who regulates First National Bank and Trust Company of Newtown, and where do I escalate if a dispute fails?
First National Bank and Trust Company of Newtown is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System, so its primary federal oversight comes from the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus both fail, you can complain to the OCC, to the PA state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the First National Bank and Trust Company of Newtown charter, and why does that matter for my credit report?
First National Bank and Trust Company of Newtown's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1864 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask First National Bank and Trust Company of Newtown in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is First National Bank and Trust Company of Newtown, and what does that mean for disputing an account?
First National Bank and Trust Company of Newtown reports $1.17 billion across 14 FDIC-reported offices — roughly $83 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a First National Bank and Trust Company of Newtown account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with First National Bank and Trust Company of Newtown as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what First National Bank and Trust Company of Newtown can verify, and results vary from case to case.
Does PA law change anything about a First National Bank and Trust Company of Newtown account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. First National Bank and Trust Company of Newtown being headquartered in Newtown, PA does not make PA law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a First National Bank and Trust Company of Newtown account stay on my credit report?
Generally up to seven years from the date of first delinquency on that First National Bank and Trust Company of Newtown account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If First National Bank and Trust Company of Newtown or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does First National Bank and Trust Company of Newtown appear in the CFPB complaint database?
We do not publish a complaint figure for First National Bank and Trust Company of Newtown. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 7658, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with First National Bank and Trust Company of Newtown and disputing with a collection agency?
First National Bank and Trust Company of Newtown furnishes the account itself; a collection agency only handles it after the fact. Practically, that means the FDCPA's validation right under §809 is available against the agency but not against First National Bank and Trust Company of Newtown, while the FCRA §623 accuracy duty applies to First National Bank and Trust Company of Newtown directly. If both appear on your report for the same debt, check that they are not reporting duplicate balances — one account should not show as two open obligations.
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 National Bank and Trust Company of Newtown; 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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