What is First Century Bank on my credit report?
First Century Bank, based in Georgia, is a legitimate financial institution that frequently appears on consumer credit reports because it partners with numerous fintech companies and online lenders. When you apply for a credit product through an online platform—such as a digital personal loan, a payday-alternative loan, or a specific brand of credit card—the online app often works as the marketer, while First Century Bank acts as the actual lender that provides the capital and holds the loan on its books. Seeing this bank on your credit report is not inherently suspicious; it is simply the name of the organization that is technically providing the credit and reporting the account activity to the credit bureaus. If you have recently opened an online credit account, this entry is likely valid. However, if the entry is unfamiliar, you should review your credit application history and contact First Century Bank to verify that the loan is indeed yours.
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