Freedom Bank of Southern Missouri on Your Credit Report
In short: Headquartered in Cassville, Missouri, Freedom Bank of Southern Missouri is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 35276 dates to November 22, 1999. At the 06/30/2026 reporting date the bank showed $850 million in total assets and 8 FDIC-reported offices. Freedom Bank of Southern Missouri 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 available 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 Freedom Bank of Southern Missouri actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Freedom Bank of Southern Missouri is recorded by the FDIC under certificate 35276 as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, with 8 offices in Missouri and $850 million in assets at the 06/30/2026 call report.
How Freedom Bank of Southern Missouri appears on your credit report
Freedom Bank of Southern Missouri furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Missouri charter and 8 FDIC-reported offices, Freedom Bank of Southern Missouri adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Freedom Bank of Southern Missouri checking accounts
- ◆Installment loans originated across the 8 Missouri offices of Freedom Bank of Southern Missouri
- ◆Construction and lot loans underwritten locally by Freedom Bank of Southern Missouri in Cassville
Grounds to dispute a Freedom Bank of Southern Missouri entry
Each of these is a reason a Freedom Bank of Southern Missouri tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with Freedom Bank of Southern Missouri not reflected in the monthly status
- ◆Freedom Bank of Southern Missouri account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Freedom Bank of Southern Missouri without the underlying itemization on file
- ◆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
Freedom Bank of Southern Missouri 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, Freedom Bank of Southern Missouri 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 Freedom Bank of Southern Missouri a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Freedom Bank of Southern Missouri questions, answered
Does the FDIC insure deposits at Freedom Bank of Southern Missouri?
It is insured, and certificate 35276 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 Cassville, MO, chartered November 22, 1999, reporting $850 million and 8 offices as of 06/30/2026.
Who supervises Freedom Bank of Southern Missouri if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Freedom Bank of Southern Missouri come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Freedom Bank of Southern Missouri head office in Cassville, Missouri.
How many credit-card complaints does the CFPB show against Freedom Bank of Southern Missouri?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Freedom Bank of Southern Missouri 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 Freedom Bank of Southern Missouri charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Freedom Bank of Southern Missouri last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Freedom Bank of Southern Missouri and disputing with a collector?
The records live in different places. As the original creditor, Freedom Bank of Southern Missouri 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 Freedom Bank of Southern Missouri therefore lands where the evidence actually is.
Does Freedom Bank of Southern Missouri report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Freedom Bank of Southern Missouri — 8 offices in Missouri — 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 Freedom Bank of Southern Missouri tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Freedom Bank of Southern Missouri has operated since 1999, 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 Freedom Bank of Southern Missouri account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Freedom Bank of Southern Missouri 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 Freedom Bank of Southern Missouri headquartered, and does that affect my dispute?
Freedom Bank of Southern Missouri is headquartered in Cassville, Missouri, 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 Freedom Bank of Southern Missouri; 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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