First Northeast Bank of Nebraska on Your Credit Report
In short: Headquartered in Lyons, Nebraska, First Northeast Bank of Nebraska is a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. The charter behind FDIC certificate 5432 dates to April 1, 1902. At the 06/30/2026 reporting date the bank showed $473 million in total assets and 8 FDIC-reported offices. First Northeast Bank of Nebraska 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 available 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 Northeast Bank of Nebraska actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Northeast Bank of Nebraska is recorded by the FDIC under certificate 5432 as a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, with 8 offices in Nebraska and $473 million in assets at the 06/30/2026 call report.
How First Northeast Bank of Nebraska appears on your credit report
First Northeast Bank of Nebraska is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to First Northeast Bank of Nebraska, and file the §611 dispute in parallel. the First Northeast Bank of Nebraska reviews these internally from Lyons, Nebraska. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 8 Nebraska banking offices of First Northeast Bank of Nebraska
- ◆Home-equity lines and residential mortgages originated near Lyons
- ◆Vehicle and equipment paper financed directly through First Northeast Bank of Nebraska
Grounds to dispute a First Northeast Bank of Nebraska entry
Each of these is a reason a First Northeast Bank of Nebraska tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Lyons posted after the due date and reported 30 days late
- ◆Balance not updated to zero after First Northeast Bank of Nebraska completed the payoff
- ◆Duplicate First Northeast Bank of Nebraska tradeline created when the loan was renumbered internally
- ◆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 Northeast Bank of Nebraska 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 Northeast Bank of Nebraska 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 Northeast Bank of Nebraska a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Northeast Bank of Nebraska questions, answered
Does the FDIC insure deposits at First Northeast Bank of Nebraska?
It is insured, and certificate 5432 is the number to quote. The FDIC lists a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, headquartered Lyons, NE, chartered April 1, 1902, reporting $473 million and 8 offices as of 06/30/2026.
Who supervises First Northeast Bank of Nebraska if a dispute goes nowhere?
Supervision sits with the Federal Reserve and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to First Northeast Bank of Nebraska come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the First Northeast Bank of Nebraska head office in Lyons, Nebraska.
How many credit-card complaints does the CFPB show against First Northeast Bank of Nebraska?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Northeast Bank of Nebraska 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 Northeast Bank of Nebraska charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First Northeast Bank of Nebraska 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 Northeast Bank of Nebraska and disputing with a collector?
Go to whoever holds the documents. First Northeast Bank of Nebraska has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First Northeast Bank of Nebraska tends to produce a substantive answer rather than a rubber-stamp verification.
Does First Northeast Bank of Nebraska report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First Northeast Bank of Nebraska — 8 offices in Nebraska — 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 Northeast Bank of Nebraska tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First Northeast Bank of Nebraska has operated since 1902, 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 Northeast Bank of Nebraska account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Northeast Bank of Nebraska 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 Northeast Bank of Nebraska headquartered, and does that affect my dispute?
First Northeast Bank of Nebraska is headquartered in Lyons, Nebraska, 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 Northeast Bank of Nebraska; 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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