The First National Bank of Raymond on Your Credit Report
In short: The First National Bank of Raymond operates out of Raymond, Illinois as a nationally chartered bank supervised by the Office of the Comptroller of the Currency. FDIC certificate 3830 traces to October 1, 1903, a charter older than the FDIC itself. Call-report figures for 06/30/2026 list $187 million in assets spread over 5 FDIC-reported offices. Because The First National Bank of Raymond originates these accounts rather than buying them, it is the furnisher of record — you can dispute through §623 directly or §611 via the bureaus. 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 Raymond actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of Raymond carries FDIC certificate 3830, operates 5 FDIC-reported offices and reported $187 million in assets on its most recent call report in Raymond, Illinois.
How The First National Bank of Raymond appears on your credit report
This tradeline is furnished by The First National Bank of Raymond itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Illinois and operating 5 FDIC-reported offices, The First National Bank of Raymond handles disputes against its own records. Send it in writing, identify precisely which field is wrong, and run the §611 bureau dispute in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer installment and personal lending across its 5 Illinois offices
- ◆Residential mortgage and home-equity lending in and around Raymond
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute The First National Bank of Raymond entry
Each of these is a reason The First National Bank of Raymond 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 Raymond office on time but posted to the next cycle
- ◆Account still showing a balance after The First National Bank of Raymond processed the final payment
- ◆Single The First National Bank of Raymond 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 First National Bank of Raymond 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 Raymond 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 Raymond 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 Raymond questions, answered
What is the FDIC certificate number for The First National Bank of Raymond?
Yes — deposits are FDIC-insured under certificate 3830. The FDIC record lists The First National Bank of Raymond as a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Raymond, IL, chartered October 1, 1903, holding $187 million across 5 offices at the 06/30/2026 call report.
Who regulates The First National Bank of Raymond, and where do I escalate if a dispute fails?
Oversight sits with the Office of the Comptroller of the Currency. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Illinois you banked with The First National Bank of Raymond.
Does the CFPB complaint database list The First National Bank of Raymond?
We do not publish a figure for The First National Bank of Raymond. 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 First National Bank of Raymond charge-off fall off my report?
The FCRA ceiling is roughly seven years from the date of first delinquency on The First National Bank of Raymond 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.
Should I dispute with The First National Bank of Raymond directly or with the collection agency?
The distinction matters because of who holds the evidence. The First National Bank of Raymond originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with The First National Bank of Raymond reaches the records themselves.
Will The First National Bank of Raymond account show on all three reports?
There is no legal requirement to furnish to every bureau, and The First National Bank of Raymond, 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 First National Bank of Raymond.
The First National Bank of Raymond changed names or was acquired — why does my report show two accounts?
Duplicates of this kind usually trace to a data migration. With a charter running back to 1903, The First National Bank of Raymond has likely changed core processors at least once, and old and new records can both survive. A predecessor name is acceptable; two live balances for one debt is not — dispute it and cite both entries.
Is there a free way to dispute The First National Bank of Raymond tradeline?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to The First National Bank of Raymond are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Does it matter that The First National Bank of Raymond is based in Raymond?
The home office is in Raymond, Illinois, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the Office of the Comptroller of the Currency if you need to escalate.
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 Raymond; 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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