First Northern Bank of Wyoming on Your Credit Report
In short: First Northern Bank of Wyoming is a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Buffalo, Wyoming. The FDIC records certificate 2208 with a charter date of February 2, 1885 — a nineteenth-century institution by the FDIC's own dating. The 06/30/2026 call report shows $983 million in total assets spread across 5 FDIC-reported offices. First Northern Bank of Wyoming 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 open 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 Northern Bank of Wyoming actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Northern Bank of Wyoming holds FDIC certificate 2208, chartered February 2, 1885 in Buffalo, Wyoming (141 years old), and reported $983 million in total assets across 5 offices on the 06/30/2026 call report.
How First Northern Bank of Wyoming appears on your credit report
First Northern Bank of Wyoming is an original creditor, not a collector, and that changes the mechanics. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Residential mortgage and home-equity lending in Wyoming
- ◆Consumer accounts originated across its 5 Wyoming offices
Grounds to dispute a First Northern Bank of Wyoming entry
Each of these is a reason a First Northern Bank of Wyoming tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan paid off at closing but still showing a balance with First Northern Bank of Wyoming
- ◆Settled-for-less account reported by First Northern Bank of Wyoming as a full charge-off
- ◆Duplicate tradeline created when First Northern Bank of Wyoming converted its loan platform
- ◆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 of Wyoming 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 of Wyoming 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 of Wyoming 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 of Wyoming questions, answered
Is First Northern Bank of Wyoming FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 2208. That record lists First Northern Bank of Wyoming as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Buffalo, WY, chartered February 2, 1885, with $983 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First Northern Bank of Wyoming, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, First Northern Bank of Wyoming answers primarily to the Federal Reserve and its state banking regulator, with FDIC deposit insurance. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First Northern Bank of Wyoming?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Northern Bank of Wyoming 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 Northern Bank of Wyoming charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the First Northern Bank of Wyoming account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and a First Northern Bank of Wyoming entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with First Northern Bank of Wyoming and disputing with a collector?
First Northern Bank of Wyoming is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to First Northern Bank of Wyoming tends to resolve factual questions a collector simply cannot answer.
Does First Northern Bank of Wyoming report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With First Northern Bank of Wyoming, a varying balance usually means different refresh dates; a varying account status or date of first delinquency is the real signal.
First Northern Bank of Wyoming was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First Northern Bank of Wyoming migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors.
Can I dispute First Northern Bank of Wyoming reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the §611 and §623 routes directly; hiring help is optional, never required. Send First Northern Bank of Wyoming a letter naming the one field at issue, send the bureaus the same, and retain proof of mailing. What happens next depends on the records, and results vary.
What should I check first on First Northern Bank of Wyoming reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors, pull your own statements and check the First Northern Bank of Wyoming entry field by field. One documented error beats a broad removal request every time.
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 of Wyoming; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.