The Bank of Versailles on Your Credit Report
In short: The Bank of Versailles is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Versailles, Missouri. The charter behind FDIC certificate 1086 dates to January 1, 1882 — a nineteenth-century charter that predates every federal credit-reporting statute. At the 06/30/2026 reporting date the bank showed $359 million in total assets and 5 FDIC-reported offices. The Bank of Versailles 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 The Bank of Versailles actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Bank of Versailles carries FDIC certificate 1086, operates 5 FDIC-reported offices and reported $359 million in assets on its most recent call report in Versailles, Missouri.
How The Bank of Versailles appears on your credit report
Because The Bank of Versailles originated the account, it furnishes the tradeline directly and holds the original file. With a Missouri charter and 5 FDIC-reported offices, The Bank of Versailles 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
- ◆Unsecured personal notes and installment paper originated in Missouri
- ◆Home-equity lines and residential mortgages originated near Versailles
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute The Bank of Versailles entry
Each of these is a reason The Bank of Versailles 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 Versailles office on time but posted to the next cycle
- ◆Balance not updated to zero after The Bank of Versailles completed the payoff
- ◆One The Bank of Versailles 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
The Bank of Versailles 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 Versailles 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 Versailles 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 Versailles questions, answered
Is The Bank of Versailles FDIC-insured, and what is its certificate number?
It is insured, and certificate 1086 is the number to quote. The FDIC lists a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, headquartered Versailles, MO, chartered January 1, 1882, reporting $359 million and 5 offices as of 06/30/2026.
Which regulator oversees The Bank of Versailles?
The Bank of Versailles answers primarily to the Federal Reserve 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 Bank of Versailles head office in Versailles is the right address for the written record.
How many credit-card complaints does the CFPB show against The Bank of Versailles?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for The Bank of Versailles, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
What is the reporting limit on The Bank of Versailles account?
The seven-year window runs from first delinquency on the underlying The Bank of Versailles 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 The Bank of Versailles and disputing with a collector?
The Bank of Versailles 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 The Bank of Versailles puts the question to the party that can actually check it against source documents.
Does The Bank of Versailles furnish to Equifax, Experian and TransUnion?
Furnishing is voluntary under the FCRA, so The Bank of Versailles — 5 offices in Missouri — 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 The Bank of Versailles tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Bank of Versailles has operated since 1882, 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.
Do I need to hire someone to dispute The Bank of Versailles entry?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Bank of Versailles 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 The Bank of Versailles headquartered, and does that affect my dispute?
The Bank of Versailles is headquartered in Versailles, Missouri, 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 The Bank of Versailles; 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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