Bay State Savings Bank on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Worcester, Massachusetts, Bay State Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator under FDIC certificate 90311. The charter dates to March 9, 1895 and the most recent call report, dated 06/30/2026, shows $580 million in total assets. As an original creditor, Bay State Savings 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 Bay State Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bay State Savings Bank holds FDIC certificate 90311 from a charter dated March 9, 1895, running 8 FDIC-reported offices out of Worcester, Massachusetts against $580 million in reported assets.
How Bay State Savings Bank appears on your credit report
Bay State Savings 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 Bay State Savings Bank, and file the §611 dispute in parallel. the Bay State Savings Bank reviews these internally from Worcester, Massachusetts. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by Bay State Savings Bank in Massachusetts
- ◆Home-improvement and second-lien lending booked near Worcester
- ◆Commercial and owner-occupied real-estate credit held by Bay State Savings Bank
Grounds to dispute a Bay State Savings Bank entry
Each of these is a reason a Bay State Savings 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 a Worcester office credited to the wrong Bay State Savings Bank account number
- ◆Account still reporting open after Bay State Savings Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Bay State Savings Bank pull
- ◆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
Bay State Savings 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, Bay State Savings 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 Bay State Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bay State Savings Bank questions, answered
Is Bay State Savings Bank FDIC-insured, and under what certificate?
Yes — Bay State Savings Bank appears in FDIC BankFind under certificate 90311. The record shows a state-chartered savings institution supervised by the FDIC and its state regulator based in Worcester, MA, with a charter dated March 9, 1895, $580 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises Bay State Savings Bank if a dispute goes nowhere?
Bay State Savings 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 Bay State Savings Bank head office in Worcester is the right address for the written record.
How many credit-card complaints does the CFPB show against Bay State Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Bay State Savings 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 a Bay State Savings Bank 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 Bay State Savings Bank 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 Bay State Savings Bank and disputing with a collector?
The records live in different places. As the original creditor, Bay State Savings 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 Bay State Savings Bank therefore lands where the evidence actually is.
Does Bay State Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Bay State Savings Bank — 8 offices in Massachusetts — 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 Bay State Savings Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Bay State Savings Bank has operated since 1895, 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 Bay State Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Bay State Savings 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 Bay State Savings Bank headquartered, and does that affect my dispute?
Bay State Savings Bank is headquartered in Worcester, Massachusetts, with 8 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 Bay State Savings 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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