The Stephenson National Bank and Trust on Your Credit Report
In short: The Stephenson National Bank and Trust is a community bank operating as a national bank chartered by the Office of the Comptroller of the Currency, based in Marinette, Wisconsin. Under FDIC certificate 5306, the charter was established October 30, 1874, making 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 $677 million in total assets across 7 FDIC-reported offices. As the originating furnisher, The Stephenson National Bank and Trust holds the source records, so a §623 dispute and a §611 bureau dispute can run in parallel. 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 Stephenson National Bank and Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Stephenson National Bank and Trust operates 7 FDIC-reported offices out of Marinette, Wisconsin, under certificate 5306, and the 06/30/2026 call report puts its total assets at $677 million on a charter dating to October 30, 1874.
How Stephenson National Bank and Trust appears on your credit report
The Stephenson National Bank and Trust 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. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the Marinette area
- ◆Consumer accounts originated across its 7 Wisconsin offices
Grounds to dispute a Stephenson National Bank and Trust entry
Each of these is a reason a Stephenson National Bank and Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by Stephenson National Bank and Trust
- ◆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 Stephenson National Bank and Trust 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 Stephenson National Bank and Trust 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 Stephenson National Bank and Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Stephenson National Bank and Trust questions, answered
Is The Stephenson National Bank and Trust FDIC-insured, and what is its certificate number?
Yes. The Stephenson National Bank and Trust carries FDIC certificate 5306. The FDIC describes it as a national bank chartered by the Office of the Comptroller of the Currency based in Marinette, WI, established October 30, 1874, reporting $677 million in total assets and 7 offices as of 06/30/2026.
Who regulates The Stephenson National Bank and Trust, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, The Stephenson National Bank and Trust answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The Stephenson National Bank and Trust?
We do not publish a figure for The Stephenson National Bank and Trust. An exact-name query against the CFPB's credit-card complaint company list returned no match, and partial-name matching is unreliable enough to attach another company's complaints to this one. The public database at consumerfinance.gov is searchable directly.
How long can a Stephenson National Bank and Trust charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Stephenson National Bank and Trust account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with The Stephenson National Bank and Trust and disputing with a collector?
The Stephenson National Bank and Trust is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with Stephenson National Bank and Trust under §623 puts the question to the party that can actually check it.
Does The Stephenson National Bank and Trust 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 Stephenson National Bank and Trust, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The Stephenson National Bank and Trust was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Stephenson National Bank and Trust migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. 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 Stephenson National Bank and Trust 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. Send Stephenson National Bank and Trust a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on The Stephenson National Bank and Trust 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. Compare the Stephenson National Bank and Trust tradeline against your own statements line by line; a single provable discrepancy is worth more than a general complaint.
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 Stephenson National Bank and Trust; 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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