The Union State Bank of Everest on Your Credit Report
In short: The Union State Bank of Everest is a state-chartered commercial bank that is a member of the Federal Reserve System, headquartered in Everest, Kansas. The institution carries FDIC certificate 18610 and a charter dated August 5, 1901. As a pre-Federal-Reserve charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. The 06/30/2026 call report puts total assets at $427 million, spread over 9 FDIC-reported offices. The Union State Bank of Everest books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the 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 Union State Bank of Everest actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Union State Bank of Everest appears in the FDIC's institution directory as certificate 18610, a pre-Federal-Reserve charter established August 5, 1901 in Everest, Kansas, now reporting $427 million in assets over 9 offices on its 06/30/2026 call report.
How The Union State Bank of Everest appears on your credit report
The Union State Bank of Everest is an original creditor, not a collector, and that changes the mechanics. At $427 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Kansas offices
- ◆Home-equity and mortgage lending secured by Kansas property
- ◆Small-business and consumer accounts carried on the Union State Bank of Everest balance sheet
Grounds to dispute a The Union State Bank of Everest entry
Each of these is a reason a The Union State Bank of Everest tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by The Union State Bank of Everest
- ◆Paid-in-full installment loan still showing a Union State Bank of Everest charge-off status
- ◆Duplicate Union State Bank of Everest tradeline created when the account migrated between core systems
- ◆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 Union State Bank of Everest 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 Union State Bank of Everest 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 Union State Bank of Everest a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Union State Bank of Everest questions, answered
Is The Union State Bank of Everest FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 18610. That record lists The Union State Bank of Everest as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Everest, KS, chartered August 5, 1901, with $427 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Union State Bank of Everest, and where do I escalate if a dispute fails?
Supervision of The Union State Bank of Everest sits with the Federal Reserve and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against The Union State Bank of Everest?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Union State Bank of Everest exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a Union State Bank of Everest charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For The Union State Bank of Everest, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with The Union State Bank of Everest and disputing with a collector?
The Union State Bank of Everest is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to The Union State Bank of Everest reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does The Union State Bank of Everest report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Union State Bank of Everest tradeline as a genuine dispute target.
The Union State Bank of Everest was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted The Union State Bank of Everest account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Identify both versions by last four digits and open date when you dispute.
Can I dispute The Union State Bank of Everest 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 The Union State Bank of Everest 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 Union State Bank of Everest reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With The Union State Bank of Everest, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Union State Bank of Everest; 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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