Maverick Bank on Your Credit Report
In short: Maverick Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Fort Davis, Texas. The institution carries FDIC certificate 17446 and a charter dated October 16, 1911. The pre-Federal-Reserve charter date matters here only because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Its 06/30/2026 call report shows $809 million in total assets across 9 reported offices. Because Maverick Bank lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three 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 Maverick Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Maverick Bank holds FDIC certificate 17446, chartered October 16, 1911 in Fort Davis, Texas (115 years old), and reported $809 million in total assets across 9 offices on the 06/30/2026 call report.
How Maverick Bank appears on your credit report
Maverick Bank is an original creditor, not a collector, and that changes the mechanics. At $809 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. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. 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
- ◆Personal and signature loans originated at its 9 Texas offices
- ◆First-lien mortgages and home-equity lines on Texas property
- ◆Overdraft lines and deposit-linked credit tied to Maverick Bank checking accounts
Grounds to dispute a Maverick Bank entry
Each of these is a reason a Maverick Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Texas mortgage paid at closing but still showing a balance with Maverick Bank
- ◆Charge-off reported by Maverick Bank after the account was settled in full
- ◆Duplicate Maverick Bank 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
Maverick 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, Maverick 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 Maverick Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Maverick Bank questions, answered
Is Maverick Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 17446. That record lists Maverick Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Fort Davis, TX, chartered October 16, 1911, with $809 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Maverick Bank, and where do I escalate if a dispute fails?
Supervision of Maverick Bank sits with the FDIC and its state banking regulator. 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 Maverick Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Maverick Bank 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 Maverick Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Maverick Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Maverick Bank tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Maverick Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Maverick Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Maverick Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Maverick Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Maverick Bank's own arrangements. A lender with 9 offices and $809 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Maverick Bank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Maverick Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Maverick Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect.
Can I dispute Maverick Bank reporting myself, without paying anyone?
Entirely. Nothing about disputing Maverick Bank 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 Maverick Bank 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 charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, pull your own statements and check the Maverick Bank 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 Maverick 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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