Traditions First Bank on Your Credit Report
In short: Traditions First Bank operates out of Erin, Tennessee as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Certificate 57092 was issued against a charter dating to November 30, 2000, a modern charter. The 06/30/2026 call report puts Traditions First Bank at $337 million in assets across 5 FDIC-reported offices. As the originating lender, Traditions First Bank is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Traditions First Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Traditions First Bank carries FDIC certificate 57092, operates 5 FDIC-reported offices and reported $337 million in assets on its most recent call report in Erin, Tennessee.
How Traditions First Bank appears on your credit report
Traditions First Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Chartered in Tennessee and operating 5 FDIC-reported offices, Traditions First Bank handles disputes against its own records. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at its 5 Tennessee banking offices
- ◆Home-equity lines and residential mortgages originated near Erin
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a Traditions First Bank entry
Each of these is a reason a Traditions First Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Erin posted after the due date and reported 30 days late
- ◆Account still showing a balance after Traditions First Bank processed the final payment
- ◆Duplicate Traditions First Bank tradeline created when the loan was renumbered internally
- ◆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
Traditions First 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, Traditions First 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 Traditions First Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Traditions First Bank questions, answered
What is the FDIC certificate number for Traditions First Bank?
Certificate 57092 is the FDIC record for Traditions First Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Erin, TN, with a charter dating to November 30, 2000; the 06/30/2026 call report shows $337 million in assets and 5 offices.
Who regulates Traditions First Bank, and where do I escalate if a dispute fails?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Traditions First Bank tells you.
What is the CFPB complaint count for Traditions First Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Traditions First Bank 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.
When does a Traditions First Bank charge-off fall off my report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Traditions First Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to Traditions First Bank or to the collector?
The distinction matters because of who holds the evidence. Traditions First Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Traditions First Bank reaches the records themselves.
Does Traditions First Bank report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and Traditions First Bank, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Traditions First Bank.
Why does one Traditions First Bank account appear twice on my report?
That pattern is typically a merger or conversion leftover rather than two real debts. Traditions First Bank dates to 2000 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Do I need to hire someone to dispute a Traditions First Bank entry?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Traditions First Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Which state regulator shares oversight of Traditions First Bank?
Traditions First Bank is based in Erin, Tennessee and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Traditions First 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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