Rolling Hills Bank & Trust on Your Credit Report
In short: From its Atlantic, Iowa headquarters, Rolling Hills Bank & Trust operates as a state-chartered commercial bank that is a member of the Federal Reserve System. The FDIC lists it under certificate 15334, established July 1, 1876. That makes it a nineteenth-century charter, so its reporting history predates most of the systems that now carry it. The 06/30/2026 call report puts total assets at $484 million, spread over 12 FDIC-reported offices. Since the loans are originated and held by Rolling Hills Bank & Trust 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 Rolling Hills Bank & Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Rolling Hills Bank & Trust holds FDIC certificate 15334, chartered July 1, 1876 in Atlantic, Iowa (150 years old), and reported $484 million in total assets across 12 offices on the 06/30/2026 call report.
How Rolling Hills Bank & Trust appears on your credit report
Rolling Hills Bank & Trust furnishes its own tradelines as the original creditor, which matters for how you write. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. 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 anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the Iowa market
- ◆Small-business and consumer accounts carried on the Rolling Hills Bank & Trust balance sheet
Grounds to dispute a Rolling Hills Bank & Trust entry
Each of these is a reason a Rolling Hills Bank & Trust 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 Rolling Hills Bank & Trust
- ◆Paid-in-full installment loan still showing a Rolling Hills Bank & Trust charge-off status
- ◆Duplicate Rolling Hills Bank & Trust 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
Rolling Hills Bank & Trust 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, Rolling Hills Bank & Trust 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 Rolling Hills Bank & Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Rolling Hills Bank & Trust questions, answered
Is Rolling Hills Bank & Trust FDIC-insured, and what is its certificate number?
Rolling Hills Bank & Trust is FDIC-insured under certificate number 15334. Per the FDIC, the charter dates to July 1, 1876, the head office is in Atlantic, IA, and the 06/30/2026 call report shows $484 million in total assets over 12 FDIC-reported offices. Oversight runs through the Federal Reserve and its state banking regulator.
Who regulates Rolling Hills Bank & Trust, and where do I escalate if a dispute fails?
Rolling Hills Bank & Trust is a state-chartered commercial bank that is a member of the Federal Reserve System, so its primary oversight runs through the Federal Reserve and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Rolling Hills Bank & Trust?
We do not carry a complaint count for Rolling Hills Bank & Trust. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 12-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a Rolling Hills Bank & Trust charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Rolling Hills Bank & Trust account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Rolling Hills Bank & Trust 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 Rolling Hills Bank & Trust and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Rolling Hills Bank & Trust's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Rolling Hills Bank & Trust tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Rolling Hills Bank & Trust 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 Rolling Hills Bank & Trust 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.
Rolling Hills Bank & Trust was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Rolling Hills Bank & Trust 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 charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Identify both versions by last four digits and open date when you dispute.
Can I dispute Rolling Hills Bank & Trust reporting myself, without paying anyone?
Entirely. Nothing about disputing Rolling Hills Bank & Trust 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 Rolling Hills Bank & Trust 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 charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. 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 Rolling Hills Bank & Trust; 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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