Ledyard National Bank on Your Credit Report
In short: Ledyard National Bank is a national bank chartered by the Office of the Comptroller of the Currency, operating from Norwich, VT on a charter established in 1991. FDIC certificate 33418 records 11 FDIC-reported offices and $1.1 billion in total assets on the 06/30/2026 call report. An account reported by Ledyard National Bank is furnished by the bank itself, so your FCRA §623 rights attach to Ledyard National Bank directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Ledyard National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Ledyard National Bank has been in continuous operation for 35 years, chartered May 22, 1991 and carried on the FDIC's books as certificate 33418. Its 06/30/2026 call report shows 11 FDIC-reported offices and $1.1 billion in total assets, averaging roughly $97 million per office.
How Ledyard National Bank appears on your credit report
Ledyard National Bank is a regional lender headquartered in Norwich, VT, with 11 FDIC-reported offices and $1.1 billion in assets, on a charter 35 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. Identify the account by its exact last four digits and open date, and state plainly which field is wrong rather than disputing the account as a whole.
Names it may report under
Products that commonly show up
- ◆Deposit-secured personal lines of credit
- ◆Overdraft lines attached to a checking account
- ◆Personal signature loans underwritten in-branch
Grounds to dispute a Ledyard National Bank entry
Each of these is a reason a Ledyard National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Agricultural or seasonal line reported late when the renewal was already approved
- ◆Branch-acquired account duplicated under both the old and new bank name
- ◆Loan modified or deferred by Ledyard National Bank but still reporting the original delinquent status
- ◆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
Ledyard National 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, Ledyard National 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 Ledyard National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Ledyard National Bank questions, answered
Is Ledyard National Bank FDIC-insured, and what is its certificate number?
Yes. Ledyard National Bank holds FDIC certificate 33418. The FDIC record shows a charter established May 22, 1991, headquarters in Norwich, VT, and 11 FDIC-reported offices with $1.1 billion in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency.
Who regulates Ledyard National Bank, and where do I escalate if a dispute fails?
Ledyard National Bank is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). 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 Ledyard National Bank?
None that can be attributed with confidence. Ledyard National Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-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 Ledyard National Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Ledyard National Bank charge-off stay on my credit report?
A charged-off Ledyard National 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 Ledyard National 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 Ledyard National Bank and disputing with a collector?
The records live in different places. Ledyard National Bank originated the account in Norwich, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the Ledyard National Bank tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does Ledyard National 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 Ledyard National Bank — 11 offices, $1.1 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Ledyard National 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.
Ledyard National Bank was acquired or changed names — why does my report show two accounts?
A rebrand or merger is the usual explanation. A converted Ledyard National 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 1991, core-system conversions are the usual cause.
Can I dispute Ledyard National 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 Ledyard National 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 Ledyard National 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 35-year-old lender like Ledyard National 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 Ledyard National 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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