First National Bank in DeRidder on Your Credit Report
In short: First National Bank in DeRidder is a national bank chartered by the Office of the Comptroller of the Currency headquartered in Deridder, Louisiana. Under FDIC certificate 14427, the charter was established January 1, 1934, making it a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. The 06/30/2026 call report shows $419 million in total assets across 7 FDIC-reported offices. First National Bank in DeRidder 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 in DeRidder actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank in DeRidder operates 7 FDIC-reported offices out of Deridder, Louisiana, under certificate 14427, and the 06/30/2026 call report puts its total assets at $419 million on a charter dating to January 1, 1934.
How First National Bank in DeRidder appears on your credit report
First National Bank in DeRidder is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Consumer accounts originated across its 7 Louisiana offices
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
Grounds to dispute a First National Bank in DeRidder entry
Each of these is a reason a First National Bank in DeRidder tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when First National Bank in DeRidder converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆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 in DeRidder 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 in DeRidder 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 in DeRidder 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 in DeRidder questions, answered
Is First National Bank in DeRidder FDIC-insured, and what is its certificate number?
Yes. First National Bank in DeRidder carries FDIC certificate 14427. The FDIC describes it as a national bank chartered by the Office of the Comptroller of the Currency based in Deridder, LA, established January 1, 1934, reporting $419 million in total assets and 7 offices as of 06/30/2026.
Who regulates First National Bank in DeRidder, 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 in DeRidder 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 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First National Bank in DeRidder?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First National Bank in DeRidder 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 in DeRidder charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First National Bank in DeRidder account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with First National Bank in DeRidder and disputing with a collector?
First National Bank in DeRidder is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to First National Bank in DeRidder reaches the source documents instead.
Does First National Bank in DeRidder report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With First National Bank in DeRidder, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
First National Bank in DeRidder 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 in DeRidder migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute First National Bank in DeRidder reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Send First National Bank in DeRidder a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on First National Bank in DeRidder 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. Pull your own statements and check the First National Bank in DeRidder 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 in DeRidder; 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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