Wilson & Muir Bank & Trust Company on Your Credit Report
In short: Operating out of Bardstown, KY since its 1865 charter, Wilson & Muir Bank & Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator carrying FDIC certificate 17040. Call-report data filed 06/30/2026 puts the bank at $818 million in total assets and 12 FDIC-reported offices. As an original creditor, Wilson & Muir Bank & Trust Company furnishes its own data to the credit bureaus, which means you have two independent dispute channels: §611 through Equifax, Experian and TransUnion, and §623 directly to the bank. 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 Wilson & Muir Bank & Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Wilson & Muir Bank & Trust Company holds FDIC certificate 17040 on a charter established December 18, 1865, and reports $818 million in total assets across 12 FDIC-reported offices on its 06/30/2026 call report — about $68 million per office for a bank headquartered in Bardstown, KY.
How Wilson & Muir Bank & Trust Company appears on your credit report
As an original creditor chartered in 1865, Wilson & Muir Bank & Trust Company furnishes directly and holds the source documents for every account it reports. With only 12 offices and $818 million in assets, there is rarely a dedicated credit-reporting department; disputes are commonly routed to lending or operations staff who can pull the actual file. Identify the account by its exact last four digits and open date, and state plainly which field is wrong rather than disputing the account as a whole.
Names it may report under
Products that commonly show up
- ◆Deposit-secured personal lines of credit
- ◆Co-signed family and student-support loans
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a Wilson & Muir Bank & Trust Company entry
Each of these is a reason a Wilson & Muir Bank & Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed Wilson & Muir Bank & Trust Company deposit-secured line still reporting as an open revolving account
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Mortgage paid at closing but still showing an outstanding balance with Wilson & Muir Bank & Trust Company
- ◆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
Wilson & Muir Bank & 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, Wilson & Muir Bank & 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 Wilson & Muir Bank & 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.
Wilson & Muir Bank & Trust Company questions, answered
Is Wilson & Muir Bank & Trust Company FDIC-insured, and what is its certificate number?
Yes. Wilson & Muir Bank & Trust Company holds FDIC certificate 17040. The FDIC record shows a charter established December 18, 1865, headquarters in Bardstown, KY, and 12 FDIC-reported offices with $818 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Wilson & Muir Bank & Trust Company, and where do I escalate if a dispute fails?
Wilson & Muir Bank & Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Wilson & Muir Bank & Trust Company?
None that can be attributed with confidence. Wilson & Muir Bank & Trust Company does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 12-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Wilson & Muir Bank & Trust Company would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Wilson & Muir Bank & Trust Company charge-off stay on my credit report?
A charged-off Wilson & Muir Bank & Trust Company account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Wilson & Muir Bank & Trust Company charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Wilson & Muir Bank & Trust Company and disputing with a collector?
The records live in different places. Wilson & Muir Bank & Trust Company originated the account in Bardstown, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the Wilson & Muir Bank & Trust Company tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does Wilson & Muir Bank & Trust Company report to all three credit bureaus?
There is no single answer that holds for every community bank. Reporting is voluntary under the FCRA, and a bank the size of Wilson & Muir Bank & Trust Company — 12 offices, $818 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Wilson & Muir Bank & Trust Company account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Wilson & Muir Bank & Trust Company was acquired or changed names — why does my report show two accounts?
Name changes and acquisitions routinely produce this. A converted Wilson & Muir Bank & Trust Company account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1865, core-system conversions are the usual cause.
Can I dispute Wilson & Muir Bank & Trust Company reporting myself, without paying anyone?
Yes, and at no cost. You can write Wilson & Muir Bank & Trust Company directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Bardstown bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on Wilson & Muir Bank & Trust Company reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 161-year-old lender like Wilson & Muir Bank & Trust Company, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Wilson & Muir Bank & 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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