Stillman BancCorp N.A. on Your Credit Report
In short: Stillman BancCorp N.A. is a national bank chartered by the Office of the Comptroller of the Currency headquartered in Stillman Valley, Illinois. The charter behind FDIC certificate 9263 dates to June 9, 1882 — a nineteenth-century charter that spans the move from ledger cards to automated furnishing. As of the 06/30/2026 call report, Stillman BancCorp N.A. held $646 million in assets and operated 6 FDIC-reported offices. Stillman BancCorp N.A. 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 Stillman BancCorp N.A. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Stillman BancCorp N.A. appears in the FDIC's ACTIVE institution list under certificate 9263, with 6 FDIC-reported offices and $646 million in total assets in Stillman Valley, Illinois.
How Stillman BancCorp N.A. appears on your credit report
Treat Stillman BancCorp N.A. as the furnisher of record. An original creditor retains the application, the statements and the posting history; an assignee generally does not. Chartered in Illinois and operating 6 FDIC-reported offices, Stillman BancCorp N.A. handles disputes against its own records. Put the dispute in writing, identify the exact field you say is wrong, and open the §611 bureau route 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
- ◆Personal and installment credit booked through its 6 Illinois locations
- ◆Home-equity lines and residential mortgages booked locally in Illinois
- ◆Overdrawn checking balances charged off to collection
Grounds to dispute a Stillman BancCorp N.A. entry
Each of these is a reason a Stillman BancCorp N.A. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Counter deposit at a Stillman BancCorp N.A. branch in Stillman Valley posted after cutoff and reported late
- ◆Balance not updated to zero after Stillman BancCorp N.A. completed the payoff
- ◆Duplicate Stillman BancCorp N.A. tradeline created during a system conversion
- ◆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
Stillman BancCorp N.A. 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, Stillman BancCorp N.A. 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 Stillman BancCorp N.A. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Stillman BancCorp N.A. questions, answered
Is Stillman BancCorp N.A. FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 9263. That record lists Stillman BancCorp N.A. as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Stillman Valley, IL, chartered June 9, 1882, with $646 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Stillman BancCorp N.A., and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, Stillman BancCorp N.A. answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Stillman BancCorp N.A.?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Stillman BancCorp N.A. 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 Stillman BancCorp N.A. charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Stillman BancCorp N.A. account. The clock runs from the original delinquency — a charge-off or sale does not restart it. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with Stillman BancCorp N.A. and disputing with a collector?
Stillman BancCorp N.A. is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with Stillman BancCorp N.A. under §623 puts the question to the party that can actually check it against source documents.
Does Stillman BancCorp N.A. report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 6 offices often does not. Pull all three files and compare them. With Stillman BancCorp N.A., a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
Stillman BancCorp N.A. changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Stillman BancCorp N.A. has operated since 1882, and a charter of that age 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 explicitly.
Can I dispute a Stillman BancCorp N.A. account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Stillman BancCorp N.A. are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is Stillman BancCorp N.A. headquartered, and does that affect my dispute?
Stillman BancCorp N.A. is headquartered in Stillman Valley, Illinois, with 6 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 Stillman BancCorp N.A.; 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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