The Fisher National Bank on Your Credit Report
In short: Headquartered in Fisher, Illinois, The Fisher National Bank is a nationally chartered bank supervised by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 17513 dates to November 18, 1955 — a mid-century charter that predates the FCRA. At the 06/30/2026 reporting date the bank showed $376 million in total assets and 6 FDIC-reported offices. The Fisher National Bank 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 available 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 Fisher National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Fisher National Bank carries FDIC certificate 17513, operates 6 FDIC-reported offices and reported $376 million in assets on its most recent call report in Fisher, Illinois.
How The Fisher National Bank appears on your credit report
This tradeline is furnished by The Fisher National Bank itself, not purchased from another lender, which means the source documents are held in-house. The Fisher National Bank is Illinois-chartered with 6 FDIC-reported offices, and reviews disputes against records it maintains itself. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. 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 6 Illinois offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Fisher
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute The Fisher National Bank entry
Each of these is a reason The Fisher National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Fisher teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after The Fisher National Bank processed the final payment
- ◆One The Fisher National Bank obligation appearing as two tradelines after a core-system conversion
- ◆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 Fisher National Bank 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 Fisher National Bank 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 Fisher National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Fisher National Bank questions, answered
Does the FDIC insure deposits at The Fisher National Bank?
It is insured, and certificate 17513 is the number to quote. The FDIC lists a nationally chartered bank supervised by the Office of the Comptroller of the Currency, headquartered Fisher, IL, chartered November 18, 1955, reporting $376 million and 6 offices as of 06/30/2026.
My dispute with The Fisher National Bank failed — who do I complain to?
The Fisher National Bank 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 Fisher National Bank head office in Fisher is the right address for the written record.
How many credit-card complaints does the CFPB show against The Fisher National Bank?
We do not publish a figure for The Fisher National Bank. 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 Fisher National Bank charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying The Fisher National Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with The Fisher National Bank and disputing with a collector?
Go to whoever holds the documents. The Fisher National Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to The Fisher National Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Will The Fisher National Bank account show on all three reports?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and The Fisher National Bank, with 6 offices around Fisher, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
I see duplicate The Fisher National Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Fisher National Bank has operated since 1955, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Is there a free way to dispute The Fisher National Bank tradeline?
No payment is required. Writing to the bureaus under §611 or to The Fisher National Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is The Fisher National Bank headquartered, and does that affect my dispute?
The Fisher National Bank is headquartered in Fisher, Illinois, with 6 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 Fisher National Bank; 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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