The Maries County Bank on Your Credit Report
In short: Headquartered in Vienna, MO, The Maries County Bank has operated since 1900 as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC lists it under certificate 8576 with $600 million in total assets spread across 12 reported offices as of 06/30/2026. Because The Maries County Bank lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three 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 Maries County Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Maries County Bank has been in continuous operation for 126 years, chartered August 17, 1900 and carried on the FDIC's books as certificate 8576. Its 06/30/2026 call report shows 12 FDIC-reported offices and $600 million in total assets, averaging roughly $50 million per office.
How The Maries County Bank appears on your credit report
Scale matters when you dispute. The Maries County Bank reports $600 million in assets and 12 FDIC-reported offices — small enough that account histories are often reconstructed by hand from branch records in Vienna. That tends to make verification slower but more thorough, and it means vague disputes get vague answers. Identify the account by its exact last four digits and open date, and state plainly which field is wrong rather than disputing the account as a whole.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
- ◆Deposit-secured personal lines of credit
Grounds to dispute a The Maries County Bank entry
Each of these is a reason a The Maries County Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Agricultural or seasonal line reported late when the renewal was already approved
- ◆Joint account reporting solely against a non-borrowing spouse
- ◆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 Maries County 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 Maries County 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 Maries County 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 Maries County Bank questions, answered
Is The Maries County Bank FDIC-insured, and what is its certificate number?
Yes. The Maries County Bank holds FDIC certificate 8576. The FDIC record shows a charter established August 17, 1900, headquarters in Vienna, MO, and 12 FDIC-reported offices with $600 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates The Maries County Bank, and where do I escalate if a dispute fails?
The Maries County Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against The Maries County Bank?
None that can be attributed with confidence. The Maries County Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 12-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Maries County Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a The Maries County Bank charge-off stay on my credit report?
A charged-off The Maries County Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date The Maries County Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with The Maries County Bank and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. The Maries County Bank is the source. When you dispute with The Maries County Bank under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does The Maries County Bank report to all three credit bureaus?
There is no single answer that holds for every community bank. Reporting is voluntary under the FCRA, and a bank the size of The Maries County Bank — 12 offices, $600 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding the Maries County Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
The Maries County Bank was acquired or changed names — why does my report show two accounts?
A rebrand or merger is the usual explanation. A converted The Maries County Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1900, core-system conversions are the usual cause.
Can I dispute The Maries County Bank reporting myself, without paying anyone?
Yes. Both routes — FCRA §611 through Equifax, Experian and TransUnion, and FCRA §623 directly with The Maries County Bank — are free and open to you. No one can lawfully promise a specific outcome or score change, and results vary with what the bank can verify. Paid help is a convenience, never a requirement.
What should I check first on The Maries County Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 126-year-old lender like The Maries County Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Maries County 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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