First National Bank of Kentucky on Your Credit Report
In short: First National Bank of Kentucky is a national bank chartered and supervised by the Office of the Comptroller of the Currency headquartered in Carrollton, Kentucky. Certificate 2735 records the charter opening on January 1, 1881 — a nineteenth-century charter that predates the credit-reporting system entirely. As of the 06/30/2026 call report, First National Bank of Kentucky held $258 million in assets and operated 6 FDIC-reported offices. First National Bank of Kentucky 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 of Kentucky actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank of Kentucky is listed by the FDIC as certificate 2735, $258 million in total assets and 6 FDIC-reported offices, headquartered in Carrollton, Kentucky.
How First National Bank of Kentucky appears on your credit report
First National Bank of Kentucky is the furnisher here, not an assignee, which matters: an assignee usually receives a data file while the originator keeps the paperwork. Chartered in Kentucky and operating 6 offices, First National Bank of Kentucky handles disputes against its own records. Write the dispute down, identify the precise field, and open the §611 bureau route at the same time. No outcome is promised — it depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 6 Kentucky offices
- ◆Residential mortgage and home-equity lines booked in Kentucky
- ◆Negative deposit balances charged off and reported
Grounds to dispute a First National Bank of Kentucky entry
Each of these is a reason a First National Bank of Kentucky tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment posted the next business day and flagged delinquent
- ◆Account still showing a balance after First National Bank of Kentucky processed the payoff
- ◆Duplicate tradeline created by a Carrollton 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 National Bank of Kentucky 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 of Kentucky 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 of Kentucky 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 of Kentucky questions, answered
Is First National Bank of Kentucky FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 2735. That record lists First National Bank of Kentucky as a national bank chartered and supervised by the Office of the Comptroller of the Currency headquartered in Carrollton, KY, chartered January 1, 1881, with $258 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First National Bank of Kentucky, and where do I escalate if a dispute fails?
As a national bank chartered and supervised by the Office of the Comptroller of the Currency, First National Bank of Kentucky answers primarily to that regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against First National Bank of Kentucky?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First National Bank of Kentucky 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 of Kentucky 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 of Kentucky account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with First National Bank of Kentucky and disputing with a collector?
First National Bank of Kentucky is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with First National Bank of Kentucky under §623 puts the question to the party that can actually check it.
Does First National Bank of Kentucky report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With First National Bank of Kentucky, differing balances tend to be timing; differing status or first-delinquency dates are what deserve a dispute.
First National Bank of Kentucky was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. First National Bank of Kentucky has operated since 1881, and charters that old have usually been through at least one core-system migration. One 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 National Bank of Kentucky account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First National Bank of Kentucky are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. Information that is accurate and still inside the reporting window stays put.
Where is First National Bank of Kentucky headquartered, and does that affect my dispute?
First National Bank of Kentucky is headquartered in Carrollton, Kentucky, with 6 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 National Bank of Kentucky; 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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