The Commercial National Bank of Brady on Your Credit Report
In short: The Commercial National Bank of Brady is a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Brady, Texas. The charter behind FDIC certificate 3110 dates to March 11, 1907 — a charter older than the FDIC itself. Call-report figures for 06/30/2026 list $425 million in assets spread over 5 FDIC-reported offices. As the originating lender, The Commercial National Bank of Brady is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Commercial National Bank of Brady actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Commercial National Bank of Brady carries FDIC certificate 3110, operates 5 FDIC-reported offices and reported $425 million in assets on its most recent call report in Brady, Texas.
How The Commercial National Bank of Brady appears on your credit report
This tradeline is furnished by The Commercial National Bank of Brady itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Texas and operating 5 FDIC-reported offices, The Commercial National Bank of Brady handles disputes against its own records. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and personal installment credit written at its 5 Texas offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Brady
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute The Commercial National Bank of Brady entry
Each of these is a reason The Commercial National Bank of Brady 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 Brady office on time but posted to the next cycle
- ◆Balance not updated to zero after The Commercial National Bank of Brady completed the payoff
- ◆Single The Commercial National Bank of Brady account reporting twice following a data migration
- ◆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 Commercial National Bank of Brady 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 Commercial National Bank of Brady 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 Commercial National Bank of Brady a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Commercial National Bank of Brady questions, answered
Is The Commercial National Bank of Brady FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 3110. The FDIC record lists The Commercial National Bank of Brady as a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Brady, TX, chartered March 11, 1907, holding $425 million across 5 offices at the 06/30/2026 call report.
Who regulates The Commercial National Bank of Brady, and where do I escalate if a dispute fails?
The Commercial National Bank of Brady answers primarily to the Office of the Comptroller of the Currency. 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 Commercial National Bank of Brady head office in Brady is the right address for the written record.
What is the CFPB complaint count for The Commercial National Bank of Brady?
We do not publish a figure for The Commercial National Bank of Brady. 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.
When does The Commercial National Bank of Brady charge-off fall off my report?
The FCRA ceiling is roughly seven years from the date of first delinquency on The Commercial National Bank of Brady 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 The Commercial National Bank of Brady and disputing with a collector?
The Commercial National Bank of Brady 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 Commercial National Bank of Brady puts the question to the party that can actually check it against source documents.
Will The Commercial National Bank of Brady account show on all three reports?
There is no legal requirement to furnish to every bureau, and The Commercial National Bank of Brady, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with The Commercial National Bank of Brady.
The Commercial National Bank of Brady changed names or was acquired — why does my report show two accounts?
That pattern is typically a merger or conversion leftover rather than two real debts. The Commercial National Bank of Brady dates to 1907 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Is there a free way to dispute The Commercial National Bank of Brady tradeline?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Commercial National Bank of Brady 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.
Which state regulator shares oversight of The Commercial National Bank of Brady?
The Commercial National Bank of Brady is headquartered in Brady, 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 The Commercial National Bank of Brady; 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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