First Northern Bank and Trust Company on Your Credit Report
In short: First Northern Bank and Trust Company runs a community banking operation from Palmerton, Pennsylvania, and is a state-chartered commercial bank that is a member of the Federal Reserve System. FDIC certificate 7675 records the charter as established October 24, 1907. The pre-Federal-Reserve charter date matters here only because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. On the 06/30/2026 call report it reported $921 million in total assets and 11 FDIC-reported offices. Since the loans are originated and held by First Northern Bank and Trust Company itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each 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 Northern Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Northern Bank and Trust Company appears in the FDIC's institution directory as certificate 7675, a pre-Federal-Reserve charter established October 24, 1907 in Palmerton, Pennsylvania, now reporting $921 million in assets over 11 offices on its 06/30/2026 call report.
How First Northern Bank and Trust Company appears on your credit report
First Northern Bank and Trust Company is an original creditor, not a collector, and that changes the mechanics. With 11 offices, reporting corrections usually route through a single operations contact — name the exact field and you skip several rounds. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Direct consumer loans underwritten at the branch level
- ◆First-lien mortgages and home-equity lines on Pennsylvania property
- ◆Overdraft lines and deposit-linked credit tied to First Northern Bank and Trust Company checking accounts
Grounds to dispute a First Northern Bank and Trust Company entry
Each of these is a reason a First Northern Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by First Northern Bank and Trust Company
- ◆Charge-off reported by First Northern Bank and Trust Company after the account was settled in full
- ◆State-chartered account duplicated after a 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 Northern Bank and Trust Company 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 Northern Bank and Trust Company 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 Northern Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Northern Bank and Trust Company questions, answered
Is First Northern Bank and Trust Company FDIC-insured, and what is its certificate number?
First Northern Bank and Trust Company is FDIC-insured under certificate number 7675. Per the FDIC, the charter dates to October 24, 1907, the head office is in Palmerton, PA, and the 06/30/2026 call report shows $921 million in total assets over 11 FDIC-reported offices. Oversight runs through the Federal Reserve and its state banking regulator.
Who regulates First Northern Bank and Trust Company, and where do I escalate if a dispute fails?
Supervision of First Northern Bank and Trust Company sits with the Federal Reserve and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against First Northern Bank and Trust Company?
We do not publish a figure for First Northern Bank and Trust Company. A 11-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First Northern Bank and Trust Company would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a First Northern Bank and Trust Company charge-off stay on my credit report?
A charged-off First Northern Bank and Trust Company 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 Northern Bank and Trust Company 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 Northern Bank and Trust Company and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. First Northern Bank and Trust Company's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to First Northern Bank and Trust Company tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does First Northern Bank and Trust Company report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding First Northern Bank and Trust Company has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
First Northern Bank and Trust Company was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, a First Northern Bank and Trust Company account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute First Northern Bank and Trust Company reporting myself, without paying anyone?
Entirely. Nothing about disputing First Northern Bank and Trust Company reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on First Northern Bank and Trust Company reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Northern Bank and Trust Company; 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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