Integrity Bank & Trust on Your Credit Report
In short: Integrity Bank & Trust is a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Monument, Colorado. FDIC records place the charter date at August 11, 2003 under certificate 57587; it is a modern charter that has been electronic from the start, which usually means cleaner history but also means an error propagates automatically once introduced. As of the 06/30/2026 call report, Integrity Bank & Trust held $460 million in assets and operated 6 FDIC-reported offices. Integrity 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 open 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 Integrity Bank & Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Integrity Bank & Trust operates 6 FDIC-reported offices out of Monument, Colorado, under certificate 57587, and the 06/30/2026 call report puts its total assets at $460 million on a charter dating to August 11, 2003.
How Integrity Bank & Trust appears on your credit report
Integrity Bank & Trust is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Identify the account precisely, challenge one field at a time, and keep proof of mailing. What changes depends on what Integrity Bank & Trust can verify, and that differs case to case.
Names it may report under
Products that commonly show up
- ◆Mortgage and home-equity credit originated in the Monument area
- ◆Consumer accounts originated across its 6 Colorado offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Integrity Bank & Trust entry
Each of these is a reason a Integrity Bank & Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when Integrity Bank & Trust converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆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
Integrity 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, Integrity 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 Integrity 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.
Integrity Bank & Trust questions, answered
Is Integrity Bank & Trust FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 57587. That record lists Integrity Bank & Trust as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Monument, CO, chartered August 11, 2003, with $460 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Integrity Bank & Trust, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Integrity Bank & Trust answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Integrity Bank & Trust?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Integrity Bank & 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 an Integrity Bank & Trust charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Integrity Bank & Trust account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Integrity Bank & Trust and disputing with a collector?
Integrity Bank & Trust is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Integrity Bank & Trust reaches the source documents instead.
Does Integrity Bank & Trust report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Integrity Bank & Trust, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Integrity Bank & Trust was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Integrity Bank & Trust migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a modern charter that has been electronic from the start, which usually means cleaner history but also means an error propagates automatically once introduced.
Can I dispute Integrity Bank & Trust reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Send Integrity Bank & Trust a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on Integrity Bank & Trust reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Pull your own statements and check the Integrity Bank & Trust entry field by field. One documented error beats a broad removal request every time.
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 Integrity 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.