The Old Fort Banking Company on Your Credit Report
In short: The Old Fort Banking Company is an OH-based institution — specifically a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator — that has held a charter since 1916 and appears in the FDIC directory as certificate 10255. Its most recent call report, dated 06/30/2026, shows 11 FDIC-reported offices and $844 million in assets. Any tradeline carrying the Old Fort Banking Company name is furnished by the bank, not by a servicer, so disputes under FCRA §623 go straight to the institution that holds the records. 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 Old Fort Banking Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Old Fort Banking Company is a 110-year-old OH institution chartered January 16, 1916, operating 11 FDIC-reported offices with $844 million in total assets as of the 06/30/2026 call report, under FDIC certificate 10255.
How The Old Fort Banking Company appears on your credit report
Scale matters when you dispute. The Old Fort Banking Company reports $844 million in assets and 11 FDIC-reported offices — small enough that account histories are often reconstructed by hand from branch records in Old Fort. That tends to make verification slower but more thorough, and it means vague disputes get vague answers. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
- ◆Agricultural operating lines carried on the owner’s personal file
- ◆Deposit-secured personal lines of credit
Grounds to dispute a The Old Fort Banking Company entry
Each of these is a reason a The Old Fort Banking Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed The Old Fort Banking Company deposit-secured line still reporting as an open revolving account
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Charge-off reported by The Old Fort Banking Company after the account was settled in full
- ◆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 Old Fort Banking Company 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 Old Fort Banking Company 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 Old Fort Banking Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Old Fort Banking Company questions, answered
Is The Old Fort Banking Company FDIC-insured, and what is its certificate number?
Yes. The Old Fort Banking Company holds FDIC certificate 10255. The FDIC record shows a charter established January 16, 1916, headquarters in Old Fort, OH, and 11 FDIC-reported offices with $844 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 Old Fort Banking Company, and where do I escalate if a dispute fails?
The Old Fort Banking Company 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 Old Fort Banking Company?
None that can be attributed with confidence. The Old Fort Banking Company does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-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 Old Fort Banking Company would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a The Old Fort Banking Company charge-off stay on my credit report?
A charged-off The Old Fort Banking Company 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 Old Fort Banking Company 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 Old Fort Banking Company and disputing with a collector?
The Old Fort Banking Company holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to The Old Fort Banking Company is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does The Old Fort Banking Company report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of The Old Fort Banking Company — 11 offices, $844 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding the Old Fort Banking Company 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 Old Fort Banking Company was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted The Old Fort Banking Company 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 1916, core-system conversions are the usual cause.
Can I dispute The Old Fort Banking Company reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to The Old Fort Banking Company under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on The Old Fort Banking Company 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 110-year-old lender like The Old Fort Banking Company, 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 Old Fort Banking Company; 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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