Worthington Bank on Your Credit Report
In short: Worthington Bank operates out of Arlington, Texas as a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. Certificate 57414 was issued against a charter dating to November 21, 2002, a modern charter. At the 06/30/2026 reporting date the bank showed $655 million in total assets and 5 FDIC-reported offices. As the originating lender, Worthington 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 Worthington Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Worthington Bank carries FDIC certificate 57414, operates 5 FDIC-reported offices and reported $655 million in assets on its most recent call report in Arlington, Texas.
How Worthington Bank appears on your credit report
Worthington Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Worthington Bank is Texas-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. 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
- ◆Personal and installment credit booked through its 5 Texas locations
- ◆Home-equity lines and residential mortgages originated near Arlington
- ◆Small-business credit backed by a personal pledge
Grounds to dispute a Worthington Bank entry
Each of these is a reason a Worthington Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at an Arlington teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after Worthington Bank processed the final payment
- ◆Duplicate Worthington 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
Worthington 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, Worthington 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 Worthington Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Worthington Bank questions, answered
What is the FDIC certificate number for Worthington Bank?
It is insured, and certificate 57414 is the number to quote. The FDIC lists a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, headquartered Arlington, TX, chartered November 21, 2002, reporting $655 million and 5 offices as of 06/30/2026.
My dispute with Worthington Bank failed — who do I complain to?
The supervising authority is the Federal Reserve 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 Worthington Bank tells you.
What is the CFPB complaint count for Worthington Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Worthington 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 Worthington Bank charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying Worthington Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
Is it better to go to Worthington Bank or to the collector?
The distinction matters because of who holds the evidence. Worthington Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Worthington Bank reaches the records themselves.
Does Worthington Bank report to all three credit bureaus?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Worthington Bank, with 5 offices around Arlington, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
I see duplicate Worthington Bank tradelines — is that allowed?
That pattern is typically a merger or conversion leftover rather than two real debts. Worthington Bank dates to 2002 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 Worthington Bank entry?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Worthington 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 Worthington Bank?
Worthington Bank is based in Arlington, Texas 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 Worthington 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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