First State Bank of Blakely on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Blakely, Georgia, First State Bank of Blakely is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator under FDIC certificate 15496. The charter dates to January 1, 1903 and the most recent call report, dated 06/30/2026, shows $668 million in total assets. As an original creditor, First State Bank of Blakely is the furnisher on its own tradelines, not an assignee of someone else's. 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 State Bank of Blakely actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of Blakely appears in FDIC BankFind as certificate 15496, headquartered Blakely, Georgia, chartered January 1, 1903, with 8 FDIC-reported offices and $668 million in assets.
How First State Bank of Blakely appears on your credit report
Because First State Bank of Blakely originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to First State Bank of Blakely therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Georgia, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through First State Bank of Blakely branch staff in Georgia
- ◆First-lien residential mortgages and refinances written around Blakely
- ◆Small-business and agricultural credit carried on the First State Bank of Blakely balance sheet
Grounds to dispute a First State Bank of Blakely entry
Each of these is a reason a First State Bank of Blakely tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with First State Bank of Blakely failed and the missed cycle reported before notice reached you
- ◆Paid-in-full First State Bank of Blakely loan still showing a balance after the payoff cleared
- ◆First State Bank of Blakely tradeline reporting a credit limit that was never approved in writing
- ◆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 State Bank of Blakely 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 State Bank of Blakely 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 State Bank of Blakely a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First State Bank of Blakely questions, answered
Is First State Bank of Blakely FDIC-insured, and under what certificate?
Yes — First State Bank of Blakely appears in FDIC BankFind under certificate 15496. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Blakely, GA, with a charter dated January 1, 1903, $668 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees First State Bank of Blakely?
First State Bank of Blakely 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 State Bank of Blakely head office in Blakely is the right address for the written record.
How many credit-card complaints does the CFPB show against First State Bank of Blakely?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First State Bank of Blakely 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 State Bank of Blakely charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First State Bank of Blakely 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 State Bank of Blakely and disputing with a collector?
The records live in different places. As the original creditor, First State Bank of Blakely holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at First State Bank of Blakely therefore lands where the evidence actually is.
Does First State Bank of Blakely report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First State Bank of Blakely — 8 offices in Georgia — 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 State Bank of Blakely tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First State Bank of Blakely has operated since 1903, 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 State Bank of Blakely account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First State Bank of Blakely 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 State Bank of Blakely headquartered, and does that affect my dispute?
First State Bank of Blakely is headquartered in Blakely, Georgia, 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 State Bank of Blakely; 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.