The Bank of Clarendon on Your Credit Report
In short: The Bank of Clarendon, based in Manning, South Carolina, is a state-chartered commercial bank that is not a member of the Federal Reserve System. FDIC records place the charter date at July 1, 1939 under certificate 15671; it is a mid-twentieth-century charter, old enough that early account history exists only on paper and migrated into digital systems later. On the 06/30/2026 call report the bank reported $438 million in assets, served from 5 FDIC-reported offices. Because The Bank of Clarendon furnishes its own tradelines, you can dispute through the bureaus under §611 and directly with the bank under §623. 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 Bank of Clarendon actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Bank of Clarendon holds FDIC certificate 15671, chartered July 1, 1939 in Manning, South Carolina (87 years old), and reported $438 million in total assets across 5 offices on the 06/30/2026 call report.
How Bank of Clarendon appears on your credit report
The Bank of Clarendon is an original creditor, not a collector, and that changes the mechanics. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Identify the account precisely, challenge one field at a time, and keep proof of mailing. What changes depends on what Bank of Clarendon can verify, and that differs case to case.
Names it may report under
Products that commonly show up
- ◆Small-business and agricultural credit carrying a personal guaranty
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a Bank of Clarendon deposit relationship
Grounds to dispute a Bank of Clarendon entry
Each of these is a reason a Bank of Clarendon tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account settled with Bank of Clarendon still reporting the original charged-off balance
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆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
The Bank of Clarendon 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, The Bank of Clarendon 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 The Bank of Clarendon a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Bank of Clarendon questions, answered
Is The Bank of Clarendon FDIC-insured, and what is its certificate number?
Deposits are insured under FDIC certificate 15671. The FDIC record shows a state-chartered commercial bank that is not a member of the Federal Reserve System in Manning, SC, chartered July 1, 1939, holding $438 million across 5 offices on the 06/30/2026 call report.
Who regulates The Bank of Clarendon, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, The Bank of Clarendon answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The Bank of Clarendon?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Bank of Clarendon 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 Bank of Clarendon charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Bank of Clarendon account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with The Bank of Clarendon and disputing with a collector?
The Bank of Clarendon is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Bank of Clarendon reaches the source documents instead.
Does The Bank of Clarendon report to all three credit bureaus?
Nothing in the FCRA compels a furnisher to report to all three nationwide bureaus, so coverage can be uneven. Compare all three files first. With Bank of Clarendon, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The Bank of Clarendon was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Bank of Clarendon migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a mid-twentieth-century charter, old enough that early account history exists only on paper and migrated into digital systems later.
Can I dispute The Bank of Clarendon reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Bank of Clarendon naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on The Bank of Clarendon reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Pull your own statements and check the Bank of Clarendon entry field by field. One documented error beats a broad removal request every time.
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 The Bank of Clarendon; 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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