Manufacturers Bank & Trust Company on Your Credit Report
In short: Manufacturers Bank & Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Forest City, Iowa. The FDIC lists it under certificate 16307, established September 1, 1945. As a mid-century charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. The 06/30/2026 call report puts total assets at $738 million, spread over 9 FDIC-reported offices. Manufacturers Bank & Trust Company 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 Manufacturers Bank & Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Manufacturers Bank & Trust Company appears in the FDIC's institution directory as certificate 16307, a mid-century charter established September 1, 1945 in Forest City, Iowa, now reporting $738 million in assets over 9 offices on its 06/30/2026 call report.
How Manufacturers Bank & Trust Company appears on your credit report
Treat Manufacturers Bank & Trust Company as an original creditor rather than a collection agency — the dispute route is different. At $738 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. 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. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Iowa offices
- ◆Home-equity and mortgage lending secured by Iowa property
- ◆Overdraft lines and deposit-linked credit tied to Manufacturers Bank & Trust Company checking accounts
Grounds to dispute a Manufacturers Bank & Trust Company entry
Each of these is a reason a Manufacturers Bank & Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Iowa home-equity line closed at refinance yet still reporting open with Manufacturers Bank & Trust Company
- ◆Charge-off reported by Manufacturers Bank & Trust Company after the account was settled in full
- ◆Duplicate Manufacturers Bank & Trust Company tradeline created when the account migrated between core systems
- ◆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
Manufacturers 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, Manufacturers 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 Manufacturers 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.
Manufacturers Bank & Trust Company questions, answered
Is Manufacturers Bank & Trust Company FDIC-insured, and what is its certificate number?
Manufacturers Bank & Trust Company is FDIC-insured under certificate number 16307. Per the FDIC, the charter dates to September 1, 1945, the head office is in Forest City, IA, and the 06/30/2026 call report shows $738 million in total assets over 9 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates Manufacturers Bank & Trust Company, 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, Manufacturers Bank & Trust Company 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 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Manufacturers Bank & Trust Company?
We do not publish a figure for Manufacturers Bank & Trust Company. A 9-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Manufacturers Bank & Trust Company would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Manufacturers Bank & Trust Company charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Manufacturers Bank & Trust Company, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Manufacturers Bank & Trust Company and disputing with a collector?
Manufacturers Bank & Trust Company is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Manufacturers Bank & Trust Company reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Manufacturers Bank & Trust Company report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Manufacturers Bank & Trust Company has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Manufacturers Bank & Trust Company was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Manufacturers Bank & Trust Company 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 mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. Identify both versions by last four digits and open date when you dispute.
Can I dispute Manufacturers Bank & Trust Company 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. Write to Manufacturers Bank & Trust Company naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Manufacturers Bank & Trust Company reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Manufacturers 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.
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