First National Bank Colorado on Your Credit Report
In short: First National Bank Colorado runs a national bank chartered by the Office of the Comptroller of the Currency out of Las Animas, Colorado. Certificate 3034 puts the charter date at January 1, 1901, placing First National Bank Colorado in the early-twentieth-century cohort of surviving charters. The 06/30/2026 call report shows $634 million in total assets spread across 7 FDIC-reported offices. First National Bank Colorado 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 open 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 National Bank Colorado actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank Colorado holds FDIC certificate 3034, chartered January 1, 1901 in Las Animas, Colorado (125 years old), and reported $634 million in total assets across 7 offices on the 06/30/2026 call report.
How First National Bank Colorado appears on your credit report
Treat First National Bank Colorado as the original creditor here — the dispute mechanics differ from a collector's. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer loans written and serviced in-house
- ◆Residential mortgage and home-equity lending in Colorado
- ◆Consumer accounts originated across its 7 Colorado offices
Grounds to dispute a First National Bank Colorado entry
Each of these is a reason a First National Bank Colorado tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan paid off at closing but still showing a balance with First National Bank Colorado
- ◆Balance not zeroed after First National Bank Colorado accepted a settlement
- ◆Single First National Bank Colorado loan appearing twice after a systems migration
- ◆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 Colorado 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 Colorado 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 Colorado 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 Colorado questions, answered
Is First National Bank Colorado FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 3034. That record lists First National Bank Colorado as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Las Animas, CO, chartered January 1, 1901, with $634 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First National Bank Colorado, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, First National Bank Colorado answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. 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 National Bank Colorado?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First National Bank Colorado 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 National Bank Colorado charge-off stay on my credit report?
About seven years from the original date of first delinquency on the First National Bank Colorado loan. Neither a charge-off entry nor a later sale to a collector resets it. If the First National Bank Colorado tradeline shows a delinquency date later than your own records support, that is re-aging and it is disputable on its own.
What is the difference between disputing with First National Bank Colorado and disputing with a collector?
First National Bank Colorado is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to First National Bank Colorado tends to resolve factual questions a collector simply cannot answer.
Does First National Bank Colorado report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming First National Bank Colorado made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
First National Bank Colorado was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First National Bank Colorado migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute First National Bank Colorado reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the §611 and §623 routes directly; hiring help is optional, never required. Send First National Bank Colorado a letter naming the one field at issue, send the bureaus the same, and retain proof of mailing. What happens next depends on the records, and results vary.
What should I check first on First National Bank Colorado reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the First National Bank Colorado entry field by field. One documented error beats a broad removal request every time.
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 Colorado; 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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