Artisans' Bank on Your Credit Report
In short: Operating 13 FDIC-reported offices from a head office in Wilmington, Delaware, Artisans' Bank is a state-chartered savings institution supervised by the FDIC and its state regulator under FDIC certificate 17123. The charter dates to February 28, 1861 and the most recent call report, dated 06/30/2026, shows $718 million in total assets. As an original creditor, Artisans' Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Artisans' Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Artisans' Bank carries FDIC certificate 17123, operates 13 FDIC-reported offices and reported $718 million in assets on its most recent call report in Wilmington, Delaware.
How Artisans' Bank appears on your credit report
Artisans' Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Artisans' Bank, and file the §611 dispute in parallel. the Artisans' Bank reviews these internally from Wilmington, Delaware. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Artisans' Bank checking accounts
- ◆Installment loans originated across the 13 Delaware offices of Artisans' Bank
- ◆Construction and lot loans underwritten locally by Artisans' Bank in Wilmington
Grounds to dispute an Artisans' Bank entry
Each of these is a reason an Artisans' Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with Artisans' Bank failed and the missed cycle reported before notice reached you
- ◆Paid-in-full Artisans' Bank loan still showing a balance after the payoff cleared
- ◆Artisans' Bank tradeline reporting a credit limit that was never approved in writing
- ◆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
Artisans' 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, Artisans' 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 Artisans' Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Artisans' Bank questions, answered
Does the FDIC insure deposits at Artisans' Bank?
It is insured, and certificate 17123 is the number to quote. The FDIC lists a state-chartered savings institution supervised by the FDIC and its state regulator, headquartered Wilmington, DE, chartered February 28, 1861, reporting $718 million and 13 offices as of 06/30/2026.
Who supervises Artisans' Bank if a dispute goes nowhere?
Artisans' Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Artisans' Bank head office in Wilmington is the right address for the written record.
How many credit-card complaints does the CFPB show against Artisans' Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Artisans' 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.
How long can an Artisans' Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Artisans' 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.
What is the difference between disputing with Artisans' Bank and disputing with a collector?
The records live in different places. As the original creditor, Artisans' Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Artisans' Bank therefore lands where the evidence actually is.
Does Artisans' Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Artisans' Bank — 13 offices in Delaware — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Artisans' Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Artisans' Bank has operated since 1861, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute an Artisans' Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Artisans' Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Artisans' Bank headquartered, and does that affect my dispute?
Artisans' Bank is headquartered in Wilmington, Delaware, with 13 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Artisans' 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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