Security Bank of the Ozarks on Your Credit Report
In short: Security Bank of the Ozarks operates out of Eminence, Missouri as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 18033 dates to June 29, 1959 — a mid-century charter that predates the FCRA. As of the 06/30/2026 call report, Security Bank of the Ozarks held $155 million in assets and operated 5 FDIC-reported offices. Security Bank of the Ozarks is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Security Bank of the Ozarks actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Security Bank of the Ozarks carries FDIC certificate 18033, operates 5 FDIC-reported offices and reported $155 million in assets on its most recent call report in Eminence, Missouri.
How Security Bank of the Ozarks appears on your credit report
Because Security Bank of the Ozarks originated the account, it furnishes the tradeline directly and holds the original file. Security Bank of the Ozarks is Missouri-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Missouri
- ◆Home-equity lines and residential mortgages originated near Eminence
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a Security Bank of the Ozarks entry
Each of these is a reason a Security Bank of the Ozarks tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Eminence office on time but posted to the next cycle
- ◆Paid-in-full Security Bank of the Ozarks loan continuing to report an outstanding balance
- ◆Single Security Bank of the Ozarks account reporting twice following a data 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
Security Bank of the Ozarks 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, Security Bank of the Ozarks 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 Security Bank of the Ozarks a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Security Bank of the Ozarks questions, answered
What is the FDIC certificate number for Security Bank of the Ozarks?
Yes — deposits are FDIC-insured under certificate 18033. The FDIC record lists Security Bank of the Ozarks as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Eminence, MO, chartered June 29, 1959, holding $155 million across 5 offices at the 06/30/2026 call report.
My dispute with Security Bank of the Ozarks failed — who do I complain to?
Security Bank of the Ozarks answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Security Bank of the Ozarks head office in Eminence is the right address for the written record.
How many credit-card complaints does the CFPB show against Security Bank of the Ozarks?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Security Bank of the Ozarks, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
How long can a Security Bank of the Ozarks charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Security Bank of the Ozarks account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Security Bank of the Ozarks and disputing with a collector?
The distinction matters because of who holds the evidence. Security Bank of the Ozarks originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Security Bank of the Ozarks reaches the records themselves.
Does Security Bank of the Ozarks furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Security Bank of the Ozarks, with 5 offices around Eminence, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Security Bank of the Ozarks changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Security Bank of the Ozarks has operated since 1959, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a Security Bank of the Ozarks account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Security Bank of the Ozarks are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Security Bank of the Ozarks headquartered, and does that affect my dispute?
Security Bank of the Ozarks is headquartered in Eminence, Missouri, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Security Bank of the Ozarks; 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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