Bath Savings Institution on Your Credit Report
In short: Operating 13 FDIC-reported offices from a head office in Bath, Maine, Bath Savings Institution is a state-chartered savings institution supervised by the FDIC and its state regulator under FDIC certificate 17749. The charter dates to April 19, 1852 and the most recent call report, dated 06/30/2026, shows $1.50 billion in total assets. As an original creditor, Bath Savings Institution 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 Bath Savings Institution actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bath Savings Institution appears in FDIC BankFind as certificate 17749, headquartered Bath, Maine, chartered April 19, 1852, with 13 FDIC-reported offices and $1.50 billion in assets.
How Bath Savings Institution appears on your credit report
Bath Savings Institution furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Maine charter and 13 FDIC-reported offices, Bath Savings Institution adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through Bath Savings Institution branch staff in Maine
- ◆First-lien residential mortgages and refinances written around Bath
- ◆Small-business and agricultural credit carried on the Bath Savings Institution balance sheet
Grounds to dispute a Bath Savings Institution entry
Each of these is a reason a Bath Savings Institution tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with Bath Savings Institution not reflected in the monthly status
- ◆Bath Savings Institution account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Bath Savings Institution without the underlying itemization on file
- ◆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
Bath Savings Institution 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, Bath Savings Institution 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 Bath Savings Institution a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bath Savings Institution questions, answered
Is Bath Savings Institution FDIC-insured, and under what certificate?
Yes — Bath Savings Institution appears in FDIC BankFind under certificate 17749. The record shows a state-chartered savings institution supervised by the FDIC and its state regulator based in Bath, ME, with a charter dated April 19, 1852, $1.50 billion in assets and 13 offices at the 06/30/2026 call report.
Which regulator oversees Bath Savings Institution?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Bath Savings Institution come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Bath Savings Institution head office in Bath, Maine.
How many credit-card complaints does the CFPB show against Bath Savings Institution?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Bath Savings Institution 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 a Bath Savings Institution charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Bath Savings Institution last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Bath Savings Institution and disputing with a collector?
The records live in different places. As the original creditor, Bath Savings Institution 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 Bath Savings Institution therefore lands where the evidence actually is.
Does Bath Savings Institution report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Bath Savings Institution — 13 offices in Maine — 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 Bath Savings Institution tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Bath Savings Institution has operated since 1852, 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 a Bath Savings Institution account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Bath Savings Institution 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 Bath Savings Institution headquartered, and does that affect my dispute?
Bath Savings Institution is headquartered in Bath, Maine, 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 Bath Savings Institution; 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.