First National Bank of South Carolina on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Holly Hill, South Carolina, First National Bank of South Carolina is a national bank chartered by the Office of the Comptroller of the Currency under FDIC certificate 2107. The charter dates to September 15, 1905 and the most recent call report, dated 06/30/2026, shows $310 million in total assets. As an original creditor, First National Bank of South Carolina is the furnisher on its own tradelines, not an assignee of someone else's. 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 South Carolina actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank of South Carolina holds FDIC certificate 2107 from a charter dated September 15, 1905, running 8 FDIC-reported offices out of Holly Hill, South Carolina against $310 million in reported assets.
How First National Bank of South Carolina appears on your credit report
First National Bank of South Carolina furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a South Carolina charter and 8 FDIC-reported offices, First National Bank of South Carolina adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by First National Bank of South Carolina in South Carolina
- ◆Home-improvement and second-lien lending booked near Holly Hill
- ◆Commercial and owner-occupied real-estate credit held by First National Bank of South Carolina
Grounds to dispute a First National Bank of South Carolina entry
Each of these is a reason a First National Bank of South Carolina tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with First National Bank of South Carolina failed and the missed cycle reported before notice reached you
- ◆Paid-in-full First National Bank of South Carolina loan still showing a balance after the payoff cleared
- ◆First National Bank of South Carolina tradeline reporting a credit limit that was never approved in writing
- ◆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 South Carolina 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 South Carolina 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 South Carolina 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 South Carolina questions, answered
Is First National Bank of South Carolina FDIC-insured, and under what certificate?
Yes — First National Bank of South Carolina appears in FDIC BankFind under certificate 2107. The record shows a national bank chartered by the Office of the Comptroller of the Currency based in Holly Hill, SC, with a charter dated September 15, 1905, $310 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees First National Bank of South Carolina?
First National Bank of South Carolina answers primarily to the Office of the Comptroller of the Currency. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The First National Bank of South Carolina head office in Holly Hill is the right address for the written record.
How many credit-card complaints does the CFPB show against First National Bank of South Carolina?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First National Bank of South Carolina 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 South Carolina charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First National Bank of South Carolina account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with First National Bank of South Carolina and disputing with a collector?
Go to whoever holds the documents. First National Bank of South Carolina has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First National Bank of South Carolina tends to produce a substantive answer rather than a rubber-stamp verification.
Does First National Bank of South Carolina report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First National Bank of South Carolina — 8 offices in South Carolina — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate First National Bank of South Carolina tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First National Bank of South Carolina has operated since 1905, and a charter that old has usually been through at least one core-system migration. An 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 South Carolina account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First National Bank of South Carolina under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is First National Bank of South Carolina headquartered, and does that affect my dispute?
First National Bank of South Carolina is headquartered in Holly Hill, South Carolina, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically 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 South Carolina; 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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