The First National Bank of Manchester on Your Credit Report
In short: Headquartered in Manchester, Kentucky, The First National Bank of Manchester is a national bank chartered by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 2708 dates to February 5, 1905 — a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. As of the 06/30/2026 call report, The First National Bank of Manchester held $230 million in assets and operated 6 FDIC-reported offices. The First National Bank of Manchester 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 First National Bank of Manchester actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of Manchester appears in FDIC records as certificate 2708 — $230 million in total assets, 6 offices, headquartered in Manchester, Kentucky, on a charter 121 years old as of 2026.
How First National Bank of Manchester appears on your credit report
The First National Bank of Manchester is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the Manchester area
- ◆Consumer accounts originated across its 6 Kentucky offices
Grounds to dispute a First National Bank of Manchester entry
Each of these is a reason a First National Bank of Manchester tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆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
- ◆Mortgage payoff recorded by the title company but not updated by First National Bank of Manchester
- ◆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 Manchester 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 Manchester 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 Manchester 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 Manchester questions, answered
Is The First National Bank of Manchester FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 2708. That record lists The First National Bank of Manchester as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Manchester, KY, chartered February 5, 1905, with $230 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The First National Bank of Manchester, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, The First National Bank of Manchester 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 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The First National Bank of Manchester?
None is listed. The First National Bank of Manchester did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a First National Bank of Manchester 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 Manchester account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with The First National Bank of Manchester and disputing with a collector?
The First National Bank of Manchester is the original creditor and holds the underlying file — application, statements, posting history. A collector holds only what was transferred with the account. That is why a §623 dispute to First National Bank of Manchester tends to resolve factual questions a collector simply cannot answer.
Does The First National Bank of Manchester report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With First National Bank of Manchester, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The First National Bank of Manchester 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 Manchester 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 the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute The First National Bank of Manchester 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 First National Bank of Manchester 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 First National Bank of Manchester 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. Match the First National Bank of Manchester entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
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 Manchester; 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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