Heritage Bank & Trust on Your Credit Report
In short: Headquartered in Columbia, Tennessee, Heritage Bank & Trust is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. FDIC certificate 58220 traces to March 6, 2006, a modern charter. As of the 06/30/2026 call report, Heritage Bank & Trust held $418 million in assets and operated 5 FDIC-reported offices. Heritage Bank & Trust 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 Heritage Bank & Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Heritage Bank & Trust carries FDIC certificate 58220, operates 5 FDIC-reported offices and reported $418 million in assets on its most recent call report in Columbia, Tennessee.
How Heritage Bank & Trust appears on your credit report
Because Heritage Bank & Trust originated the account, it furnishes the tradeline directly and holds the original file. With a Tennessee charter and 5 FDIC-reported offices, Heritage Bank & Trust 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
- ◆Consumer lines of credit opened at its 5 Tennessee banking offices
- ◆Home-equity lines and residential mortgages originated near Columbia
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute a Heritage Bank & Trust entry
Each of these is a reason a Heritage Bank & Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Columbia office on time but posted to the next cycle
- ◆Account still showing a balance after Heritage Bank & Trust processed the final payment
- ◆One Heritage Bank & Trust obligation appearing as two tradelines after a core-system conversion
- ◆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
Heritage Bank & Trust 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, Heritage Bank & Trust 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 Heritage Bank & Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Heritage Bank & Trust questions, answered
Does the FDIC insure deposits at Heritage Bank & Trust?
Certificate 58220 is the FDIC record for Heritage Bank & Trust. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Columbia, TN, with a charter dating to March 6, 2006; the 06/30/2026 call report shows $418 million in assets and 5 offices.
Which regulator oversees Heritage Bank & Trust?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Tennessee you banked with Heritage Bank & Trust.
How many credit-card complaints does the CFPB show against Heritage Bank & Trust?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Heritage Bank & Trust, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
What is the reporting limit on a Heritage Bank & Trust account?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Heritage Bank & Trust tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with Heritage Bank & Trust directly or with the collection agency?
Go to whoever holds the documents. Heritage Bank & Trust has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Heritage Bank & Trust tends to produce a substantive answer rather than a rubber-stamp verification.
Does Heritage Bank & Trust furnish to Equifax, Experian and TransUnion?
Furnishing is voluntary under the FCRA, so Heritage Bank & Trust — 5 offices in Tennessee — 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.
Why does one Heritage Bank & Trust account appear twice on my report?
One account showing twice is a classic conversion artifact. Heritage Bank & Trust has operated since 2006, 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.
Do I need to hire someone to dispute a Heritage Bank & Trust entry?
No payment is required. Writing to the bureaus under §611 or to Heritage Bank & Trust 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 Heritage Bank & Trust headquartered, and does that affect my dispute?
The home office is in Columbia, Tennessee, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
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 Heritage Bank & Trust; 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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