First Neighbor Bank, National Association on Your Credit Report
In short: First Neighbor Bank, National Association is a national bank chartered by the Office of the Comptroller of the Currency, operating from Toledo, IL on a charter established in 1933. FDIC certificate 3747 records 10 FDIC-reported offices and $736 million in total assets on the 06/30/2026 call report. An account reported by First Neighbor Bank, National Association is furnished by the bank itself, so your FCRA §623 rights attach to First Neighbor Bank, National Association directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Neighbor Bank, National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Neighbor Bank, National Association is a 93-year-old IL institution chartered January 1, 1933, operating 10 FDIC-reported offices with $736 million in total assets as of the 06/30/2026 call report, under FDIC certificate 3747.
How First Neighbor Bank, National Association appears on your credit report
As an original creditor chartered in 1933, First Neighbor Bank, National Association furnishes directly and holds the source documents for every account it reports. With only 10 offices and $736 million in assets, there is rarely a dedicated credit-reporting department; disputes are commonly routed to lending or operations staff who can pull the actual file. A short, specific letter that points to one incorrect field usually gets a cleaner response than a broad demand to remove the account.
Names it may report under
Products that commonly show up
- ◆Home-equity lines of credit secured by the borrower’s residence
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
- ◆Overdraft lines attached to a checking account
Grounds to dispute a First Neighbor Bank, National Association entry
Each of these is a reason a First Neighbor Bank, National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Branch-acquired account duplicated under both the old and new bank name
- ◆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 Neighbor Bank, National Association 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 Neighbor Bank, National Association 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 Neighbor Bank, National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Neighbor Bank, National Association questions, answered
Is First Neighbor Bank, National Association FDIC-insured, and what is its certificate number?
Yes. First Neighbor Bank, National Association holds FDIC certificate 3747. The FDIC record shows a charter established January 1, 1933, headquarters in Toledo, IL, and 10 FDIC-reported offices with $736 million 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.
Who regulates First Neighbor Bank, National Association, and where do I escalate if a dispute fails?
First Neighbor Bank, National Association is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against First Neighbor Bank, National Association?
None that can be attributed with confidence. First Neighbor Bank, National Association does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First Neighbor Bank, National Association would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a First Neighbor Bank, National Association charge-off stay on my credit report?
A charged-off First Neighbor Bank, National Association account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date First Neighbor Bank, National Association charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with First Neighbor Bank, National Association and disputing with a collector?
The records live in different places. First Neighbor Bank, National Association originated the account in Toledo, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the First Neighbor Bank, National Association tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does First Neighbor Bank, National Association report to all three credit bureaus?
Most banks in this asset range do, but it is not automatic. Reporting is voluntary under the FCRA, and a bank the size of First Neighbor Bank, National Association — 10 offices, $736 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a First Neighbor Bank, National Association account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
First Neighbor Bank, National Association was acquired or changed names — why does my report show two accounts?
This is one of the most frequent duplicate-tradeline causes. A converted First Neighbor Bank, National Association account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1933, core-system conversions are the usual cause.
Can I dispute First Neighbor Bank, National Association reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to First Neighbor Bank, National Association under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on First Neighbor Bank, National Association reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 93-year-old lender like First Neighbor Bank, National Association, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Neighbor Bank, National Association; 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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