The First National Bank of Grayson on Your Credit Report
In short: The First National Bank of Grayson runs a national bank chartered by the Office of the Comptroller of the Currency out of Grayson, Kentucky. FDIC certificate 2695 records the charter as established January 1, 1902. That makes it an early-twentieth-century charter, so its reporting history predates most of the systems that now carry it. On the 06/30/2026 call report First National Bank of Grayson reported $372 million in assets and 7 offices. The First National Bank of Grayson 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 open 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 First National Bank of Grayson actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of Grayson reported $372 million in total assets and 7 FDIC-reported offices on its 06/30/2026 call report, operating from Grayson, Kentucky under certificate 2695 since January 1, 1902.
How The First National Bank of Grayson appears on your credit report
The First National Bank of Grayson furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Home loans and home-equity lines originated locally in Kentucky
- ◆Consumer accounts originated across its 7 Kentucky offices
Grounds to dispute a The First National Bank of Grayson entry
Each of these is a reason a The First National Bank of Grayson tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payoff posted by First National Bank of Grayson to the wrong account number
- ◆Account settled with First National Bank of Grayson still reporting the original charged-off balance
- ◆Single First National Bank of Grayson loan appearing twice after a systems 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 First National Bank of Grayson 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 First National Bank of Grayson 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 First National Bank of Grayson a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The First National Bank of Grayson questions, answered
Is The First National Bank of Grayson FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 2695. That record lists The First National Bank of Grayson as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Grayson, KY, chartered January 1, 1902, with $372 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The First National Bank of Grayson, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, First National Bank of Grayson answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. 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 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The First National Bank of Grayson?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The First National Bank of Grayson 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 First National Bank of Grayson charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First National Bank of Grayson account. That anchor date does not reset when the balance is charged off, sold, or transferred. a First National Bank of Grayson tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with The First National Bank of Grayson and disputing with a collector?
The First National Bank of Grayson is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to First National Bank of Grayson tends to resolve factual questions a collector simply cannot answer.
Does The First National Bank of Grayson report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming First National Bank of Grayson made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
The First National Bank of Grayson was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First National Bank of Grayson migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute The First National Bank of Grayson reporting myself, without paying anyone?
Yes — entirely on your own and without a fee. The First National Bank of Grayson must investigate a §623 dispute from you just as it would from anyone else. Name the specific inaccurate field, file with the bureaus in parallel, and keep copies. Results depend on the underlying documentation.
What should I check first on The First National Bank of Grayson 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. Given that a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the First National Bank of Grayson 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 First National Bank of Grayson; 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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