Guaranty State Bank and Trust Company on Your Credit Report
In short: Guaranty State Bank and Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Beloit, Kansas. FDIC certificate 10907 records the charter as established January 23, 1922. Its pre-deposit-insurance charter means the bank's records span multiple eras of consumer-reporting practice. The 06/30/2026 call report puts total assets at $381 million, spread over 9 FDIC-reported offices. Since the loans are originated and held by Guaranty State Bank and Trust Company itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 Guaranty State Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Guaranty State Bank and Trust Company operates under FDIC certificate 10907 from Beloit, Kansas, where its charter has run since January 23, 1922; the 06/30/2026 call report shows $381 million in total assets and 9 FDIC-reported offices.
How Guaranty State Bank and Trust Company appears on your credit report
Treat Guaranty State Bank and Trust Company as an original creditor rather than a collection agency — the dispute route is different. At $381 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Kansas offices
- ◆Residential mortgage and HELOC accounts secured by Kansas real estate
- ◆Small-business and consumer accounts carried on the Guaranty State Bank and Trust Company balance sheet
Grounds to dispute a Guaranty State Bank and Trust Company entry
Each of these is a reason a Guaranty State Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Guaranty State Bank and Trust Company
- ◆Paid-in-full installment loan still showing a Guaranty State Bank and Trust Company charge-off status
- ◆Duplicate Guaranty State Bank and Trust Company tradeline created when the account migrated between core systems
- ◆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
Guaranty State Bank and Trust Company 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, Guaranty State Bank and Trust Company 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 Guaranty State Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Guaranty State Bank and Trust Company questions, answered
Is Guaranty State Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes. Guaranty State Bank and Trust Company holds FDIC certificate 10907. The FDIC record shows a charter established January 23, 1922, headquarters in Beloit, KS, and 9 FDIC-reported offices with $381 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state banking regulator.
Who regulates Guaranty State Bank and Trust Company, and where do I escalate if a dispute fails?
Supervision of Guaranty State Bank and Trust Company sits with the FDIC and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against Guaranty State Bank and Trust Company?
We do not publish a figure for Guaranty State Bank and Trust Company. A 9-office small community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Guaranty State Bank and Trust Company would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Guaranty State Bank and Trust Company charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Guaranty State Bank and Trust Company, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Guaranty State Bank and Trust Company and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Guaranty State Bank and Trust Company's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Guaranty State Bank and Trust Company tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Guaranty State Bank and Trust Company report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Guaranty State Bank and Trust Company tradeline as a genuine dispute target.
Guaranty State Bank and Trust Company was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, a Guaranty State Bank and Trust Company account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Guaranty State Bank and Trust Company reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Guaranty State Bank and Trust Company a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Guaranty State Bank and Trust Company reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With Guaranty State Bank and Trust Company, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Guaranty State Bank and Trust Company; 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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