Texas Financial Bank on Your Credit Report
In short: Texas Financial Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Eden, Texas. The charter behind FDIC certificate 26738 dates to July 31, 1986 — a late-twentieth-century charter. Call-report figures for 06/30/2026 list $265 million in assets spread over 5 FDIC-reported offices. Texas Financial Bank 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 Texas Financial Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Texas Financial Bank carries FDIC certificate 26738, operates 5 FDIC-reported offices and reported $265 million in assets on its most recent call report in Eden, Texas.
How Texas Financial Bank appears on your credit report
This tradeline is furnished by Texas Financial Bank itself, not purchased from another lender, which means the source documents are held in-house. With a Texas charter and 5 FDIC-reported offices, Texas Financial Bank adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. 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 5 Texas locations
- ◆Residential mortgage and home-equity lending in and around Eden
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a Texas Financial Bank entry
Each of these is a reason a Texas Financial Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Eden posted after the due date and reported 30 days late
- ◆Account still showing a balance after Texas Financial Bank processed the final payment
- ◆One Texas Financial Bank obligation appearing as two tradelines after a core-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
Texas Financial Bank 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, Texas Financial Bank 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 Texas Financial Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Texas Financial Bank questions, answered
Is Texas Financial Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 26738. The FDIC record lists Texas Financial Bank 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 Eden, TX, chartered July 31, 1986, holding $265 million across 5 offices at the 06/30/2026 call report.
Which regulator oversees Texas Financial Bank?
Texas Financial Bank 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 Texas Financial Bank head office in Eden is the right address for the written record.
How many credit-card complaints does the CFPB show against Texas Financial Bank?
We do not publish a figure for Texas Financial Bank. 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.
What is the reporting limit on a Texas Financial Bank account?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Texas Financial Bank 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 Texas Financial Bank and disputing with a collector?
Texas Financial Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Texas Financial Bank puts the question to the party that can actually check it against source documents.
Will a Texas Financial Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so Texas Financial Bank — 5 offices in Texas — 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.
Texas Financial Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Texas Financial Bank has operated since 1986, 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.
Is there a free way to dispute the Texas Financial Bank tradeline?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Texas Financial Bank are free and available to you. 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 Texas Financial Bank headquartered, and does that affect my dispute?
Texas Financial Bank is headquartered in Eden, Texas, 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 Texas Financial Bank; 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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