ValueBank Texas on Your Credit Report
In short: ValueBank Texas is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Corpus Christi, Texas. FDIC certificate 19700 records the charter as established April 27, 1967. The late-twentieth-century charter date matters here only because a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors. Its 06/30/2026 call report shows $304 million in total assets across 9 reported offices. Because ValueBank Texas lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three 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 ValueBank Texas actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
ValueBank Texas holds FDIC certificate 19700, chartered April 27, 1967 in Corpus Christi, Texas (59 years old), and reported $304 million in total assets across 9 offices on the 06/30/2026 call report.
How ValueBank Texas appears on your credit report
The distinction that matters: ValueBank Texas is the original creditor on the account, not a third party that bought it. At $304 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. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Texas offices
- ◆First-lien mortgages and home-equity lines on Texas property
- ◆Small-business and consumer accounts carried on the ValueBank Texas balance sheet
Grounds to dispute a ValueBank Texas entry
Each of these is a reason a ValueBank Texas 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 ValueBank Texas
- ◆Paid-in-full installment loan still showing a ValueBank Texas charge-off status
- ◆Duplicate ValueBank Texas 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
ValueBank Texas 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, ValueBank Texas 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 ValueBank Texas a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
ValueBank Texas questions, answered
Is ValueBank Texas FDIC-insured, and what is its certificate number?
ValueBank Texas is FDIC-insured under certificate number 19700. Per the FDIC, the charter dates to April 27, 1967, the head office is in Corpus Christi, TX, and the 06/30/2026 call report shows $304 million in total assets over 9 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates ValueBank Texas, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, ValueBank Texas answers primarily to the FDIC and its state banking regulator. 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 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against ValueBank Texas?
We do not publish a figure for ValueBank Texas. A 9-office small community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to ValueBank Texas would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a ValueBank Texas 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 ValueBank Texas, 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 ValueBank Texas and disputing with a collector?
The records sit in different places. ValueBank Texas originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with ValueBank Texas under §623 puts your challenge in front of whoever can actually check it against source documents.
Does ValueBank Texas 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 ValueBank Texas tradeline as a genuine dispute target.
ValueBank Texas was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When ValueBank Texas 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, a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute ValueBank Texas reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send ValueBank Texas a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on ValueBank Texas 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. Given that a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the ValueBank Texas entry field by field. One documented error beats a broad removal request every time.
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 ValueBank Texas; 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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