Midwest Regional Bank on Your Credit Report
In short: Midwest Regional Bank runs a state-chartered commercial bank that is not a member of the Federal Reserve System out of Clayton, Missouri. The FDIC records certificate 8889 with a charter date of June 13, 1894 — a nineteenth-century institution by the FDIC's own dating. As of the 06/30/2026 call report, Midwest Regional Bank held $949 million in assets and operated 7 FDIC-reported offices. Since the loans are originated and held by Midwest Regional Bank itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each 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 Midwest Regional Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Midwest Regional Bank is recorded by the FDIC under certificate 8889 as a state-chartered commercial bank that is not a member of the Federal Reserve System, established June 13, 1894 in Clayton, Missouri, with $949 million in assets and 7 offices as of 06/30/2026.
How Midwest Regional Bank appears on your credit report
Midwest Regional Bank furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Mortgage and home-equity credit originated in the Missouri footprint
- ◆Consumer accounts originated across its 7 Missouri offices
Grounds to dispute a Midwest Regional Bank entry
Each of these is a reason a Midwest Regional Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Midwest Regional Bank
- ◆Settled-for-less account reported by Midwest Regional Bank as a full charge-off
- ◆Single Midwest Regional Bank loan appearing twice after a systems 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
Midwest Regional 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, Midwest Regional 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 Midwest Regional Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Midwest Regional Bank questions, answered
Is Midwest Regional Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 8889. That record lists Midwest Regional Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Clayton, MO, chartered June 13, 1894, with $949 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Midwest Regional Bank, 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, Midwest Regional Bank 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 Midwest Regional Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Midwest Regional 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 Midwest Regional Bank charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the Midwest Regional Bank account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and a Midwest Regional Bank entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with Midwest Regional Bank and disputing with a collector?
The records sit in different places. Midwest Regional Bank 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 Midwest Regional Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Midwest Regional Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming Midwest Regional Bank made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
Midwest Regional Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Midwest Regional 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 from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors.
Can I dispute Midwest Regional Bank 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 Midwest Regional Bank 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 Midwest Regional 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 from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors, pull your own statements and check the Midwest Regional 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 Midwest Regional 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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