Hickory Point Bank and Trust on Your Credit Report
In short: Hickory Point Bank and Trust is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Decatur, Illinois. FDIC records place the charter's origin at June 4, 1979 and assign it certificate 22874. The 06/30/2026 call report lists $718 million in assets across 8 FDIC-reported offices. Because Hickory Point Bank and Trust originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 Hickory Point Bank and Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Hickory Point Bank and Trust holds FDIC certificate 22874 from a charter dated June 4, 1979, running 8 FDIC-reported offices out of Decatur, Illinois against $718 million in reported assets.
How Hickory Point Bank and Trust appears on your credit report
Hickory Point Bank and Trust furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With an Illinois charter and 8 FDIC-reported offices, Hickory Point Bank and 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
- ◆Personal and signature loans booked through Hickory Point Bank and Trust branch staff in Illinois
- ◆First-lien residential mortgages and refinances written around Decatur
- ◆Small-business and agricultural credit carried on the Hickory Point Bank and Trust balance sheet
Grounds to dispute a Hickory Point Bank and Trust entry
Each of these is a reason a Hickory Point Bank and Trust 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 Hickory Point Bank and Trust not reflected in the monthly status
- ◆Hickory Point Bank and Trust account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Hickory Point Bank and Trust 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
Hickory Point Bank and 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, Hickory Point Bank and 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 Hickory Point Bank and Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Hickory Point Bank and Trust questions, answered
Is Hickory Point Bank and Trust FDIC-insured, and under what certificate?
Yes — Hickory Point Bank and Trust appears in FDIC BankFind under certificate 22874. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Decatur, IL, with a charter dated June 4, 1979, $718 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees Hickory Point Bank and Trust?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Hickory Point Bank and Trust 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 Hickory Point Bank and Trust head office in Decatur, Illinois.
How many credit-card complaints does the CFPB show against Hickory Point Bank and Trust?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Hickory Point Bank and Trust 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 Hickory Point Bank and Trust 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 Hickory Point Bank and Trust 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 Hickory Point Bank and Trust and disputing with a collector?
Go to whoever holds the documents. Hickory Point Bank and Trust has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Hickory Point Bank and Trust tends to produce a substantive answer rather than a rubber-stamp verification.
Does Hickory Point Bank and Trust report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Hickory Point Bank and Trust — 8 offices in Illinois — 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 Hickory Point Bank and Trust tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Hickory Point Bank and Trust has operated since 1979, 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 Hickory Point Bank and Trust account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Hickory Point Bank and 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 Hickory Point Bank and Trust headquartered, and does that affect my dispute?
Hickory Point Bank and Trust is headquartered in Decatur, Illinois, 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 Hickory Point Bank and 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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