State Bank of Whittington on Your Credit Report
In short: State Bank of Whittington operates out of Benton, Illinois as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. FDIC certificate 19689 traces to August 5, 1919, a charter older than the FDIC itself. The 06/30/2026 call report puts State Bank of Whittington at $180 million in assets across 5 FDIC-reported offices. State Bank of Whittington 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 State Bank of Whittington actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
State Bank of Whittington carries FDIC certificate 19689, operates 5 FDIC-reported offices and reported $180 million in assets on its most recent call report in Benton, Illinois.
How State Bank of Whittington appears on your credit report
This tradeline is furnished by State Bank of Whittington itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Illinois and operating 5 FDIC-reported offices, State Bank of Whittington handles disputes against its own records. 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
- ◆Consumer lines of credit opened at its 5 Illinois banking offices
- ◆Residential mortgage and home-equity lending in and around Benton
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a State Bank of Whittington entry
Each of these is a reason a State Bank of Whittington 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 Benton office on time but posted to the next cycle
- ◆Paid-in-full State Bank of Whittington loan continuing to report an outstanding balance
- ◆Duplicate State Bank of Whittington tradeline created when the loan was renumbered internally
- ◆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
State Bank of Whittington 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, State Bank of Whittington 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 State Bank of Whittington a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
State Bank of Whittington questions, answered
What is the FDIC certificate number for State Bank of Whittington?
Certificate 19689 is the FDIC record for State Bank of Whittington. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Benton, IL, with a charter dating to August 5, 1919; the 06/30/2026 call report shows $180 million in assets and 5 offices.
Who regulates State Bank of Whittington, and where do I escalate if a dispute fails?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Illinois you banked with State Bank of Whittington.
How many credit-card complaints does the CFPB show against State Bank of Whittington?
We do not publish a figure for State Bank of Whittington. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can a State Bank of Whittington charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the State Bank of Whittington tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with State Bank of Whittington directly or with the collection agency?
The distinction matters because of who holds the evidence. State Bank of Whittington originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with State Bank of Whittington reaches the records themselves.
Will a State Bank of Whittington account show on all three reports?
There is no legal requirement to furnish to every bureau, and State Bank of Whittington, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with State Bank of Whittington.
Why does one State Bank of Whittington account appear twice on my report?
One account showing twice is a classic conversion artifact. State Bank of Whittington has operated since 1919, 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 State Bank of Whittington account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to State Bank of Whittington 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 State Bank of Whittington headquartered, and does that affect my dispute?
The home office is in Benton, Illinois, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
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 State Bank of Whittington; 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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