The Bradford National Bank of Greenville on Your Credit Report
In short: The Bradford National Bank of Greenville is a national bank chartered by the Office of the Comptroller of the Currency, operating from Greenville, IL on a charter established in 1867. FDIC certificate 3799 records 10 FDIC-reported offices and $723 million in total assets on the 06/30/2026 call report. An account reported by The Bradford National Bank of Greenville is furnished by the bank itself, so your FCRA §623 rights attach to The Bradford National Bank of Greenville directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Bradford National Bank of Greenville actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Bradford National Bank of Greenville has been in continuous operation for 159 years, chartered January 1, 1867 and carried on the FDIC's books as certificate 3799. Its 06/30/2026 call report shows 10 FDIC-reported offices and $723 million in total assets, averaging roughly $72 million per office.
How The Bradford National Bank of Greenville appears on your credit report
The Bradford National Bank of Greenville is a regional lender headquartered in Greenville, IL, with 10 FDIC-reported offices and $723 million in assets, on a charter 159 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. Put the dispute in writing, name the specific field that is inaccurate, and keep a copy of what you sent and when.
Names it may report under
Products that commonly show up
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Deposit-secured personal lines of credit
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a The Bradford National Bank of Greenville entry
Each of these is a reason a The Bradford National Bank of Greenville tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made in-branch on the due date but posted the following business day
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Joint account reporting solely against a non-borrowing spouse
- ◆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 Bradford National Bank of Greenville 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 Bradford National Bank of Greenville 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 Bradford National Bank of Greenville a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Bradford National Bank of Greenville questions, answered
Is The Bradford National Bank of Greenville FDIC-insured, and what is its certificate number?
Yes. The Bradford National Bank of Greenville holds FDIC certificate 3799. The FDIC record shows a charter established January 1, 1867, headquarters in Greenville, IL, and 10 FDIC-reported offices with $723 million in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency.
Who regulates The Bradford National Bank of Greenville, and where do I escalate if a dispute fails?
The Bradford National Bank of Greenville is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against The Bradford National Bank of Greenville?
None that can be attributed with confidence. The Bradford National Bank of Greenville does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Bradford National Bank of Greenville would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a The Bradford National Bank of Greenville charge-off stay on my credit report?
A charged-off The Bradford National Bank of Greenville account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date The Bradford National Bank of Greenville charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with The Bradford National Bank of Greenville and disputing with a collector?
The records live in different places. The Bradford National Bank of Greenville originated the account in Greenville, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the Bradford National Bank of Greenville tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does The Bradford National Bank of Greenville report to all three credit bureaus?
Most banks in this asset range do, but it is not automatic. Reporting is voluntary under the FCRA, and a bank the size of The Bradford National Bank of Greenville — 10 offices, $723 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding the Bradford National Bank of Greenville account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
The Bradford National Bank of Greenville was acquired or changed names — why does my report show two accounts?
A rebrand or merger is the usual explanation. A converted The Bradford National Bank of Greenville account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1867, core-system conversions are the usual cause.
Can I dispute The Bradford National Bank of Greenville reporting myself, without paying anyone?
Yes, and at no cost. You can write The Bradford National Bank of Greenville directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Greenville bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on The Bradford National Bank of Greenville reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 159-year-old lender like The Bradford National Bank of Greenville, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Bradford National Bank of Greenville; 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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