Honor Bank on Your Credit Report
In short: Honor Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Honor, Michigan. Its FDIC record is certificate 8165, with a charter date of June 15, 1917. As a pre-deposit-insurance charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. The 06/30/2026 call report puts total assets at $443 million, spread over 9 FDIC-reported offices. Because Honor Bank lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 Honor Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Honor Bank appears in the FDIC's institution directory as certificate 8165, a pre-deposit-insurance charter established June 15, 1917 in Honor, Michigan, now reporting $443 million in assets over 9 offices on its 06/30/2026 call report.
How Honor Bank appears on your credit report
The distinction that matters: Honor Bank is the original creditor on the account, not a third party that bought it. At $443 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. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Michigan offices
- ◆Home-equity and mortgage lending secured by Michigan property
- ◆Small-business and consumer accounts carried on the Honor Bank balance sheet
Grounds to dispute a Honor Bank entry
Each of these is a reason a Honor Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Michigan mortgage paid at closing but still showing a balance with Honor Bank
- ◆Paid-in-full installment loan still showing a Honor Bank charge-off status
- ◆Duplicate Honor Bank 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
Honor 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, Honor 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 Honor Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Honor Bank questions, answered
Is Honor Bank FDIC-insured, and what is its certificate number?
Honor Bank is FDIC-insured under certificate number 8165. Per the FDIC, the charter dates to June 15, 1917, the head office is in Honor, MI, and the 06/30/2026 call report shows $443 million in total assets over 9 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates Honor Bank, and where do I escalate if a dispute fails?
Honor Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary 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 Honor Bank?
We do not publish a figure for Honor Bank. 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 Honor Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Honor Bank charge-off stay on my credit report?
A charged-off Honor 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 Honor 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 Honor Bank and disputing with a collector?
Honor Bank is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Honor Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Honor Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Honor Bank's own arrangements. A lender with 9 offices and $443 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Honor Bank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Honor Bank 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 Honor Bank 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 Honor Bank 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 Honor Bank 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 Honor Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Honor 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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