Libertyville Bank & Trust Company, National Association on Your Credit Report
In short: From its Libertyville, Illinois headquarters, Libertyville Bank & Trust Company, National Association operates as a nationally chartered commercial bank. The institution carries FDIC certificate 34073 and a charter dated October 10, 1995. The modern charter date matters here only because a relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone. On the 06/30/2026 call report it reported $3.34 billion in total assets and 8 FDIC-reported offices. Libertyville Bank & Trust Company, National Association books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the 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 Libertyville Bank & Trust Company, National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Libertyville Bank & Trust Company, National Association operates under FDIC certificate 34073 from Libertyville, Illinois, where its charter has run since October 10, 1995; the 06/30/2026 call report shows $3.34 billion in total assets and 8 FDIC-reported offices.
How Libertyville Bank & Trust Company, National Association appears on your credit report
Libertyville Bank & Trust Company, National Association is an original creditor, not a collector, and that changes the mechanics. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆First-lien mortgages and home-equity lines on Illinois property
- ◆Vehicle and equipment loans financed through its Illinois branches
Grounds to dispute a Libertyville Bank & Trust Company, National Association entry
Each of these is a reason a Libertyville Bank & Trust Company, National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Illinois mortgage paid at closing but still showing a balance with Libertyville Bank & Trust Company, National Association
- ◆Paid-in-full installment loan still showing a Libertyville Bank & Trust Company, National Association charge-off status
- ◆National-chartered account duplicated 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
Libertyville Bank & Trust Company, National Association 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, Libertyville Bank & Trust Company, National Association 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 Libertyville Bank & Trust Company, National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Libertyville Bank & Trust Company, National Association questions, answered
Is Libertyville Bank & Trust Company, National Association FDIC-insured, and what is its certificate number?
Libertyville Bank & Trust Company, National Association is FDIC-insured under certificate number 34073. Per the FDIC, the charter dates to October 10, 1995, the head office is in Libertyville, IL, and the 06/30/2026 call report shows $3.34 billion in total assets over 8 FDIC-reported offices. Oversight runs through the Office of the Comptroller of the Currency (OCC).
Who regulates Libertyville Bank & Trust Company, National Association, and where do I escalate if a dispute fails?
Supervision of Libertyville Bank & Trust Company, National Association sits with the Office of the Comptroller of the Currency (OCC). If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against Libertyville Bank & Trust Company, National Association?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Libertyville Bank & Trust Company, National Association 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 Libertyville Bank & Trust Company, National Association charge-off stay on my credit report?
A charged-off Libertyville Bank & Trust Company, National Association 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 Libertyville Bank & Trust Company, National Association 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 Libertyville Bank & Trust Company, National Association and disputing with a collector?
The records sit in different places. Libertyville Bank & Trust Company, National Association originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with Libertyville Bank & Trust Company, National Association under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Libertyville Bank & Trust Company, National Association report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a regional institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Libertyville Bank & Trust Company, National Association tradeline as a genuine dispute target.
Libertyville Bank & Trust Company, National Association was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Libertyville Bank & Trust Company, National Association account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone. Identify both versions by last four digits and open date when you dispute.
Can I dispute Libertyville Bank & Trust Company, National Association reporting myself, without paying anyone?
Entirely. Nothing about disputing Libertyville Bank & Trust Company, National Association reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on Libertyville Bank & Trust Company, National Association 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. Given that a relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone, pull your own statements and check the Libertyville Bank & Trust Company, National Association 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 Libertyville Bank & Trust Company, National Association; 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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