First Secure Bank and Trust Co. on Your Credit Report
In short: First Secure Bank and Trust Co. is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Palos Hills, Illinois. The charter behind FDIC certificate 22536 dates to October 21, 1977 — a late-twentieth-century charter. At the 06/30/2026 reporting date the bank showed $396 million in total assets and 6 FDIC-reported offices. As the originating lender, First Secure Bank and Trust Co. is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Secure Bank and Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Secure Bank and Trust Co. carries FDIC certificate 22536, operates 6 FDIC-reported offices and reported $396 million in assets on its most recent call report in Palos Hills, Illinois.
How First Secure Bank and Trust appears on your credit report
First Secure Bank and Trust Co. furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With an Illinois charter and 6 FDIC-reported offices, First Secure Bank and Trust adjudicates these disputes internally. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at its 6 Illinois banking offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Palos Hills
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a First Secure Bank and Trust entry
Each of these is a reason a First Secure Bank and Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Palos Hills teller window credited a day late and reported as delinquent
- ◆Paid-in-full First Secure Bank and Trust loan continuing to report an outstanding balance
- ◆Duplicate First Secure Bank and Trust 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 Secure Bank and Trust Co. 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 Secure Bank and Trust Co. 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 Secure Bank and Trust Co. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Secure Bank and Trust Co. questions, answered
Is First Secure Bank and Trust Co. FDIC-insured, and what is its certificate number?
It is insured, and certificate 22536 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Palos Hills, IL, chartered October 21, 1977, reporting $396 million and 6 offices as of 06/30/2026.
Which regulator oversees First Secure Bank and Trust Co.?
First Secure Bank and Trust Co. answers primarily to the FDIC and its state banking regulator. 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 Secure Bank and Trust head office in Palos Hills is the right address for the written record.
What is the CFPB complaint count for First Secure Bank and Trust Co.?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Secure Bank and Trust Co. 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 Secure Bank and Trust Co. charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First Secure Bank and Trust 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 Secure Bank and Trust Co. and disputing with a collector?
First Secure Bank and Trust Co. is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to First Secure Bank and Trust puts the question to the party that can actually check it against source documents.
Does First Secure Bank and Trust Co. report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First Secure Bank and Trust — 6 offices in Illinois — 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 Secure Bank and Trust tradelines — is that allowed?
That pattern is typically a merger or conversion leftover rather than two real debts. First Secure Bank and Trust dates to 1977 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Can I dispute a First Secure Bank and Trust Co. account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First Secure Bank and Trust are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Which state regulator shares oversight of First Secure Bank and Trust Co.?
First Secure Bank and Trust Co. is headquartered in Palos Hills, Illinois, with 6 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 Secure Bank and Trust Co.; 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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