VISIONBANK OF IOWA on Your Credit Report
In short: Headquartered in Ames, IA, VISIONBANK OF IOWA has operated under FDIC certificate 11763 since its charter was established in 1884. Its 06/30/2026 call report shows $896 million in total assets and 13 FDIC-reported offices. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. Because VISIONBANK OF IOWA furnishes the tradeline itself, the FCRA §623 accuracy duty runs directly against the bank — so you can dispute with it as well as with 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 VISIONBANK OF IOWA actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
VISIONBANK OF IOWA has been in continuous operation for 142 years, chartered June 1, 1884 and carried on the FDIC's books as certificate 11763. Its 06/30/2026 call report shows 13 FDIC-reported offices and $896 million in total assets, averaging roughly $69 million per office.
How VISIONBANK OF IOWA appears on your credit report
VISIONBANK OF IOWA is a regional lender headquartered in Ames, IA, with 13 FDIC-reported offices and $896 million in assets, on a charter 142 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Home-equity lines and mortgage accounts serviced under the VISIONBANK OF IOWA name
- ◆Personal installment loans originated at VISIONBANK OF IOWA offices
- ◆Agricultural and equipment loans carried on the consumer file when personally obligated
Grounds to dispute a VISIONBANK OF IOWA entry
Each of these is a reason a VISIONBANK OF IOWA tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan modified or deferred by VISIONBANK OF IOWA but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Paid-off VISIONBANK OF IOWA installment loan still showing a balance after the final payment cleared
- ◆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
VISIONBANK OF IOWA 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, VISIONBANK OF IOWA 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 VISIONBANK OF IOWA a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
VISIONBANK OF IOWA questions, answered
Is VISIONBANK OF IOWA FDIC-insured, and what is its certificate number?
Yes. VISIONBANK OF IOWA holds FDIC certificate 11763. The FDIC record shows a charter established June 1, 1884, headquarters in Ames, IA, and 13 FDIC-reported offices with $896 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates VISIONBANK OF IOWA, and where do I escalate if a dispute fails?
VISIONBANK OF IOWA is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the IA state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the VISIONBANK OF IOWA charter, and why does that matter for my credit report?
VISIONBANK OF IOWA's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1884 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask VISIONBANK OF IOWA in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is VISIONBANK OF IOWA, and what does that mean for disputing an account?
VISIONBANK OF IOWA reports $896 million across 13 FDIC-reported offices — roughly $69 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a VISIONBANK OF IOWA account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with VISIONBANK OF IOWA as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what VISIONBANK OF IOWA can verify, and results vary from case to case.
Does IA law change anything about a VISIONBANK OF IOWA account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. VISIONBANK OF IOWA being headquartered in Ames, IA does not make IA law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a VISIONBANK OF IOWA account stay on my credit report?
Generally up to seven years from the date of first delinquency on that VISIONBANK OF IOWA account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If VISIONBANK OF IOWA or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does VISIONBANK OF IOWA appear in the CFPB complaint database?
We do not publish a complaint figure for VISIONBANK OF IOWA. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 11763, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with VISIONBANK OF IOWA and disputing with a collection agency?
An original creditor like VISIONBANK OF IOWA and a collection agency are governed by different laws, and sending the wrong letter costs you time. VISIONBANK OF IOWA is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 VISIONBANK OF IOWA; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.