St. Landry Bank and Trust Company on Your Credit Report
In short: Headquartered in Opelousas, Louisiana, St. Landry Bank and Trust Company is 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 8534 dates to January 1, 1931. At the 06/30/2026 reporting date the bank showed $295 million in total assets and 8 FDIC-reported offices. St. Landry Bank and Trust Company 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 St. Landry Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
St. Landry Bank and Trust Company is recorded by the FDIC under certificate 8534 as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, with 8 offices in Louisiana and $295 million in assets at the 06/30/2026 call report.
How St. Landry Bank and Trust Company appears on your credit report
St. Landry Bank and Trust Company is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to St. Landry Bank and Trust Company, and file the §611 dispute in parallel. the St. Landry Bank and Trust Company reviews these internally from Opelousas, Louisiana. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by St. Landry Bank and Trust Company in Louisiana
- ◆Home-improvement and second-lien lending booked near Opelousas
- ◆Commercial and owner-occupied real-estate credit held by St. Landry Bank and Trust Company
Grounds to dispute a St. Landry Bank and Trust Company entry
Each of these is a reason a St. Landry Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with St. Landry Bank and Trust Company failed and the missed cycle reported before notice reached you
- ◆Paid-in-full St. Landry Bank and Trust Company loan still showing a balance after the payoff cleared
- ◆St. Landry Bank and Trust Company tradeline reporting a credit limit that was never approved in writing
- ◆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
St. Landry Bank and 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, St. Landry Bank and 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 St. Landry Bank and 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.
St. Landry Bank and Trust Company questions, answered
Does the FDIC insure deposits at St. Landry Bank and Trust Company?
Yes — St. Landry Bank and Trust Company appears in FDIC BankFind under certificate 8534. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Opelousas, LA, with a charter dated January 1, 1931, $295 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises St. Landry Bank and Trust Company if a dispute goes nowhere?
St. Landry Bank and Trust Company 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 St. Landry Bank and Trust Company head office in Opelousas is the right address for the written record.
How many credit-card complaints does the CFPB show against St. Landry Bank and Trust Company?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched St. Landry Bank and Trust Company 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 St. Landry Bank and Trust Company charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying St. Landry Bank and Trust Company account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with St. Landry Bank and Trust Company and disputing with a collector?
Go to whoever holds the documents. St. Landry Bank and Trust Company has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to St. Landry Bank and Trust Company tends to produce a substantive answer rather than a rubber-stamp verification.
Does St. Landry Bank and Trust Company report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so St. Landry Bank and Trust Company — 8 offices in Louisiana — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate St. Landry Bank and Trust Company tradelines — is that allowed?
One account showing twice is a classic conversion artifact. St. Landry Bank and Trust Company has operated since 1931, 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 St. Landry Bank and Trust Company account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to St. Landry Bank and Trust Company under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is St. Landry Bank and Trust Company headquartered, and does that affect my dispute?
St. Landry Bank and Trust Company is headquartered in Opelousas, Louisiana, with 8 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 St. Landry Bank and 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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