Town & Country Bank and Trust Company on Your Credit Report
In short: Town & Country Bank and Trust Company is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Bardstown, Kentucky. The charter behind FDIC certificate 15703 dates to September 9, 1907 — a twentieth-century charter that spans the move from ledger cards to automated furnishing. As of the 06/30/2026 call report, Town & Country Bank and Trust Company held $434 million in assets and operated 5 FDIC-reported offices. As the originating lender, Town & Country Bank and Trust Company furnishes the tradeline itself — meaning a §623 dispute reaches the party holding the underlying paperwork, and a §611 dispute runs in parallel 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 Town & Country Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Town & Country Bank and Trust Company appears in the FDIC's ACTIVE institution list under certificate 15703, with 5 FDIC-reported offices and $434 million in total assets in Bardstown, Kentucky.
How Town & Country Bank and Trust Company appears on your credit report
Treat Town & Country Bank and Trust Company as the furnisher of record. An original creditor retains the application, the statements and the posting history; an assignee generally does not. Chartered in Kentucky and operating 5 FDIC-reported offices, Town & Country Bank and Trust Company handles disputes against its own records. Send it in writing, be specific about which field 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
- ◆Personal and installment credit booked through its 5 Kentucky locations
- ◆Residential mortgage and home-equity lending in and around Bardstown
- ◆Negative deposit balances charged off and reported
Grounds to dispute a Town & Country Bank and Trust Company entry
Each of these is a reason a Town & Country Bank and Trust Company 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 Bardstown teller window credited a day late and reported as delinquent
- ◆Paid-in-full account still reporting an outstanding balance from Town & Country Bank and Trust Company
- ◆Duplicate Town & Country Bank and Trust Company tradeline created during a 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
Town & Country Bank and Trust 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, Town & Country Bank and Trust 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 Town & Country Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Town & Country Bank and Trust Company questions, answered
Is Town & Country Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 15703. That record lists Town & Country Bank and Trust Company as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Bardstown, KY, chartered September 9, 1907, with $434 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Town & Country Bank and Trust Company, and where do I escalate if a dispute fails?
As a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, Town & Country Bank and Trust Company answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Town & Country Bank and Trust Company?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Town & Country Bank and Trust Company 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 Town & Country Bank and Trust Company charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Town & Country Bank and Trust Company account. The clock runs from the original delinquency — a charge-off or sale does not restart it. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with Town & Country Bank and Trust Company and disputing with a collector?
Town & Country Bank and Trust Company is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with Town & Country Bank and Trust Company under §623 puts the question to the party that can actually check it against source documents.
Does Town & Country Bank and Trust Company report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 5 offices often does not. Pull all three files and compare them. With Town & Country Bank and Trust Company, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
Town & Country Bank and Trust Company changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Town & Country Bank and Trust Company has operated since 1907, and a charter of that age 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 explicitly.
Can I dispute a Town & Country Bank and Trust Company account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Town & Country Bank and Trust Company are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is Town & Country Bank and Trust Company headquartered, and does that affect my dispute?
Town & Country Bank and Trust Company is headquartered in Bardstown, Kentucky, with 5 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 Town & Country Bank and Trust 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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