Henderson State Bank on Your Credit Report
In short: Operating out of Henderson, NE since its 1943 charter, Henderson State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator carrying FDIC certificate 17229. Call-report data filed 06/30/2026 puts the bank at $678 million in total assets and 12 FDIC-reported offices. As an original creditor, Henderson State Bank furnishes its own data to the credit bureaus, which means you have two independent dispute channels: §611 through Equifax, Experian and TransUnion, and §623 directly to the bank. 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 Henderson State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Henderson State Bank has been in continuous operation for 83 years, chartered October 13, 1943 and carried on the FDIC's books as certificate 17229. Its 06/30/2026 call report shows 12 FDIC-reported offices and $678 million in total assets, averaging roughly $57 million per office.
How Henderson State Bank appears on your credit report
As an original creditor chartered in 1943, Henderson State Bank furnishes directly and holds the source documents for every account it reports. With only 12 offices and $678 million in assets, there is rarely a dedicated credit-reporting department; disputes are commonly routed to lending or operations staff who can pull the actual file. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Home-equity lines of credit secured by the borrower’s residence
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
- ◆Overdraft lines attached to a checking account
Grounds to dispute a Henderson State Bank entry
Each of these is a reason a Henderson State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed Henderson State Bank deposit-secured line still reporting as an open revolving account
- ◆Agricultural or seasonal line reported late when the renewal was already approved
- ◆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
Henderson State 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, Henderson State 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 Henderson State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Henderson State Bank questions, answered
Is Henderson State Bank FDIC-insured, and what is its certificate number?
Yes. Henderson State Bank holds FDIC certificate 17229. The FDIC record shows a charter established October 13, 1943, headquarters in Henderson, NE, and 12 FDIC-reported offices with $678 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 regulator.
Who regulates Henderson State Bank, and where do I escalate if a dispute fails?
Henderson State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Henderson State Bank?
None that can be attributed with confidence. Henderson State Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 12-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Henderson State Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Henderson State Bank charge-off stay on my credit report?
A charged-off Henderson State Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Henderson State Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Henderson State Bank and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. Henderson State Bank is the source. When you dispute with Henderson State Bank under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does Henderson State Bank report to all three credit bureaus?
Most banks in this asset range do, but it is not automatic. Reporting is voluntary under the FCRA, and a bank the size of Henderson State Bank — 12 offices, $678 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Henderson State Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Henderson State Bank was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted Henderson State Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1943, core-system conversions are the usual cause.
Can I dispute Henderson State Bank reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to Henderson State Bank under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on Henderson State Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 83-year-old lender like Henderson State Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Henderson State 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.
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