Llano National Bank on Your Credit Report
In short: Llano National Bank operates out of Llano, Texas as a nationally chartered bank supervised by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 24305 dates to January 17, 1983 — a late-twentieth-century charter. As of the 06/30/2026 call report, Llano National Bank held $301 million in assets and operated 5 FDIC-reported offices. Llano National Bank 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 available 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 Llano National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Llano National Bank carries FDIC certificate 24305, operates 5 FDIC-reported offices and reported $301 million in assets on its most recent call report in Llano, Texas.
How Llano National Bank appears on your credit report
This tradeline is furnished by Llano National Bank itself, not purchased from another lender, which means the source documents are held in-house. With a Texas charter and 5 FDIC-reported offices, Llano National Bank adjudicates these disputes internally. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Texas
- ◆Purchase-money mortgages and home-equity draws written in the Llano area
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a Llano National Bank entry
Each of these is a reason a Llano National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Llano posted after the due date and reported 30 days late
- ◆Paid-in-full Llano National Bank loan continuing to report an outstanding balance
- ◆Single Llano National Bank account reporting twice following a data migration
- ◆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
Llano 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, Llano 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 Llano 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.
Llano National Bank questions, answered
What is the FDIC certificate number for Llano National Bank?
Certificate 24305 is the FDIC record for Llano National Bank. It describes a nationally chartered bank supervised by the Office of the Comptroller of the Currency based in Llano, TX, with a charter dating to January 17, 1983; the 06/30/2026 call report shows $301 million in assets and 5 offices.
Which regulator oversees Llano National Bank?
Llano National Bank answers primarily to the Office of the Comptroller of the Currency. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Llano National Bank head office in Llano is the right address for the written record.
How many credit-card complaints does the CFPB show against Llano National Bank?
We do not publish a figure for Llano National Bank. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can a Llano National Bank charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Llano National Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with Llano National Bank and disputing with a collector?
The distinction matters because of who holds the evidence. Llano National Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Llano National Bank reaches the records themselves.
Will a Llano National Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so Llano National Bank — 5 offices in Texas — 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.
Why does one Llano National Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Llano National Bank has operated since 1983, 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 Llano National Bank account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Llano National Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Llano National Bank headquartered, and does that affect my dispute?
Llano National Bank is headquartered in Llano, Texas, with 5 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 Llano 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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