First United National Bank on Your Credit Report
In short: First United National Bank, based in Fryburg, Pennsylvania, is a national bank chartered by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 7886 dates to August 2, 1909 — a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. The 06/30/2026 call report shows $386 million in total assets across 7 FDIC-reported offices. Because First United National Bank furnishes its own tradelines, you can dispute through the bureaus under §611 and directly with the bank under §623. 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 United National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First United National Bank holds FDIC certificate 7886, chartered August 2, 1909 in Fryburg, Pennsylvania (117 years old), and reported $386 million in total assets across 7 offices on the 06/30/2026 call report.
How First United National Bank appears on your credit report
First United National Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
- ◆Auto and equipment loans financed through local dealers
Grounds to dispute a First United National Bank entry
Each of these is a reason a First United National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account settled with First United National Bank still reporting the original charged-off balance
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆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 United National Bank 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 United National Bank 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 United National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First United National Bank questions, answered
Is First United National Bank FDIC-insured, and what is its certificate number?
Yes. First United National Bank carries FDIC certificate 7886. The FDIC describes it as a national bank chartered by the Office of the Comptroller of the Currency based in Fryburg, PA, established August 2, 1909, reporting $386 million in total assets and 7 offices as of 06/30/2026.
Who regulates First United National Bank, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, First United National Bank answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. 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 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First United National Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First United National Bank 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 United National Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First United National Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with First United National Bank and disputing with a collector?
First United National Bank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to First United National Bank reaches the source documents instead.
Does First United National Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With First United National Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
First United National Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First United National Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute First United National Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to First United National Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on First United National Bank 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. Pull your own statements and check the First United National Bank 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 United National Bank; 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.