First National Bank of Pulaski on Your Credit Report
In short: Headquartered in Pulaski, TN, First National Bank of Pulaski has operated under FDIC certificate 15572 since its charter was established in 1938. Its 06/30/2026 call report shows $1.50 billion in total assets and 14 FDIC-reported offices. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System. When First National Bank of Pulaski reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 Pulaski actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank of Pulaski has been in continuous operation for 88 years, chartered January 12, 1938 and carried on the FDIC's books as certificate 15572. Its 06/30/2026 call report shows 14 FDIC-reported offices and $1.50 billion in total assets, averaging roughly $107 million per office.
How First National Bank of Pulaski appears on your credit report
First National Bank of Pulaski is a regional lender headquartered in Pulaski, TN, with 14 FDIC-reported offices and $1.50 billion in assets, on a charter 88 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
- ◆Personal installment loans originated at First National Bank of Pulaski offices
- ◆Agricultural and equipment loans carried on the consumer file when personally obligated
- ◆Credit lines tied to a First National Bank of Pulaski relationship account
Grounds to dispute a First National Bank of Pulaski entry
Each of these is a reason a First National Bank of Pulaski tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Paid-off First National Bank of Pulaski installment loan still showing a balance after the final payment cleared
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed First National Bank of Pulaski deposit-secured line still reporting as an open revolving account
- ◆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 Pulaski 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 Pulaski 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 Pulaski 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 Pulaski questions, answered
Is First National Bank of Pulaski FDIC-insured, and what is its certificate number?
Yes. First National Bank of Pulaski holds FDIC certificate 15572. The FDIC record shows a charter established January 12, 1938, headquarters in Pulaski, TN, and 14 FDIC-reported offices with $1.50 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 of Pulaski, and where do I escalate if a dispute fails?
First National Bank of Pulaski 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 TN 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 of Pulaski charter, and why does that matter for my credit report?
First National Bank of Pulaski was chartered in 1938, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 88-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask First National Bank of Pulaski to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is First National Bank of Pulaski, and what does that mean for disputing an account?
First National Bank of Pulaski reports $1.50 billion across 14 FDIC-reported offices — roughly $107 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 of Pulaski 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 of Pulaski 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 of Pulaski can verify, and results vary from case to case.
Does TN law change anything about a First National Bank of Pulaski 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 of Pulaski being headquartered in Pulaski, TN does not make TN 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 of Pulaski account stay on my credit report?
About seven years, measured from the date of first delinquency on the First National Bank of Pulaski account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency First National Bank of Pulaski furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does First National Bank of Pulaski appear in the CFPB complaint database?
We do not publish a complaint figure for First National Bank of Pulaski. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 15572, 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 of Pulaski and disputing with a collection agency?
First National Bank of Pulaski 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 of Pulaski, while the FCRA §623 accuracy duty applies to First National Bank of Pulaski 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 of Pulaski; 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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