M C Bank & Trust Company on Your Credit Report
In short: Headquartered in Morgan City, LA, M C Bank & Trust Company has operated under FDIC certificate 17388 since its charter was established in 1955. Its 06/30/2026 call report shows $710 million in total assets and 14 FDIC-reported offices. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. When M C Bank & Trust Company reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 M C Bank & Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
M C Bank & Trust Company was chartered January 20, 1955 and is insured under FDIC certificate 17388. It reported $710 million in total assets and 14 FDIC-reported offices on its 06/30/2026 call report — about $51 million per reported office across its LA footprint.
How M C Bank & Trust Company appears on your credit report
With $710 million across 14 FDIC-reported offices, M C Bank & Trust Company sits well below the national card issuers in scale. That matters for a dispute: a regional bank in Morgan City, LA is more likely to route your letter to a named person than to an automated queue, so citing the specific field in error — balance, status, date of first delinquency — usually gets further than a blanket denial of the debt.
Names it may report under
Products that commonly show up
- ◆Personal installment loans originated at M C Bank & Trust Company offices
- ◆Agricultural and equipment loans carried on the consumer file when personally obligated
- ◆Credit lines tied to a M C Bank & Trust Company relationship account
Grounds to dispute a M C Bank & Trust Company entry
Each of these is a reason a M C Bank & Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed M C Bank & Trust Company deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by M C Bank & Trust Company 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
M C Bank & Trust Company 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, M C Bank & Trust Company 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 M C Bank & Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
M C Bank & Trust Company questions, answered
Is M C Bank & Trust Company FDIC-insured, and what is its certificate number?
Yes. M C Bank & Trust Company holds FDIC certificate 17388. The FDIC record shows a charter established January 20, 1955, headquarters in Morgan City, LA, and 14 FDIC-reported offices with $710 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates M C Bank & Trust Company, and where do I escalate if a dispute fails?
M C Bank & Trust Company is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the LA state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the M C Bank & Trust Company charter, and why does that matter for my credit report?
M C Bank & Trust Company was chartered in 1955, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 71-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask M C Bank & Trust Company to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is M C Bank & Trust Company, and what does that mean for disputing an account?
M C Bank & Trust Company reports $710 million across 14 FDIC-reported offices — roughly $51 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a M C Bank & Trust Company account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with M C Bank & Trust Company as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what M C Bank & Trust Company can verify, and results vary from case to case.
Does LA law change anything about a M C Bank & Trust Company account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. M C Bank & Trust Company being headquartered in Morgan City, LA does not make LA law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a M C Bank & Trust Company account stay on my credit report?
About seven years, measured from the date of first delinquency on the M C Bank & Trust Company account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency M C Bank & Trust Company furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does M C Bank & Trust Company appear in the CFPB complaint database?
We do not publish a complaint figure for M C Bank & Trust Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 17388, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with M C Bank & Trust Company and disputing with a collection agency?
An original creditor like M C Bank & Trust Company and a collection agency are governed by different laws, and sending the wrong letter costs you time. M C Bank & Trust Company is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 M C Bank & Trust Company; 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.