The First National Bank of St. Ignace on Your Credit Report
In short: Headquartered in St. Ignace, Michigan, The First National Bank of St. Ignace is a national bank chartered by the Office of the Comptroller of the Currency. FDIC certificate 5074 records the charter as established May 17, 1888. That makes it a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. The 06/30/2026 call report shows $336 million in total assets across 7 FDIC-reported offices. Accounts originated here are furnished by The First National Bank of St. Ignace itself, which means a §623 dispute goes to the institution that holds the underlying file. 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 St. Ignace actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of St. Ignace appears in FDIC records as certificate 5074 — $336 million in total assets, 7 offices, headquartered in St. Ignace, Michigan, on a charter 138 years old as of 2026.
How First National Bank of St. Ignace appears on your credit report
The First National Bank of St. Ignace is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. 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
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a First National Bank of St. Ignace deposit relationship
- ◆Consumer installment loans booked across its branch network
Grounds to dispute a First National Bank of St. Ignace entry
Each of these is a reason a First National Bank of St. Ignace tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account settled with First National Bank of St. Ignace still reporting the original charged-off balance
- ◆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 St. Ignace 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 St. Ignace 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 St. Ignace 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 St. Ignace questions, answered
Is The First National Bank of St. Ignace FDIC-insured, and what is its certificate number?
Yes. The First National Bank of St. Ignace carries FDIC certificate 5074. The FDIC describes it as a national bank chartered by the Office of the Comptroller of the Currency based in St. Ignace, MI, established May 17, 1888, reporting $336 million in total assets and 7 offices as of 06/30/2026.
Who regulates The First National Bank of St. Ignace, 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 St. Ignace answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against The First National Bank of St. Ignace?
None is listed. The First National Bank of St. Ignace 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 St. Ignace 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 St. Ignace account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been 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 St. Ignace and disputing with a collector?
The First National Bank of St. Ignace is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to First National Bank of St. Ignace reaches the source documents instead.
Does The First National Bank of St. Ignace report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With First National Bank of St. Ignace, 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 St. Ignace 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 St. Ignace migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Push for removal of the duplicate entry instead of accepting a "closed" notation, which does not undo the scoring impact. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute The First National Bank of St. Ignace 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 St. Ignace 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 St. Ignace 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 St. Ignace 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 St. Ignace; 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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