Big Horn Federal Savings Bank on Your Credit Report
In short: Based in Greybull, Wyoming, Big Horn Federal Savings Bank is a state-chartered savings bank. FDIC certificate 29637 records the charter as established January 1, 1935. That makes it a mid-century charter, so its reporting history predates most of the systems that now carry it. As of the 06/30/2026 call report, Big Horn Federal Savings Bank held $400 million in assets and operated 6 FDIC-reported offices. Big Horn Federal Savings Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are open to you. 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 Big Horn Federal Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Big Horn Federal Savings Bank operates 6 FDIC-reported offices out of Greybull, Wyoming, holding $400 million in assets under certificate 29637 on a charter dating to January 1, 1935.
How Big Horn Federal Savings Bank appears on your credit report
Big Horn Federal Savings Bank is an original creditor, not a collector, and that changes the mechanics. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the Wyoming market
- ◆Consumer accounts originated across its 6 Wyoming offices
Grounds to dispute a Big Horn Federal Savings Bank entry
Each of these is a reason a Big Horn Federal Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Big Horn Federal Savings Bank
- ◆Account settled with Big Horn Federal Savings Bank still reporting the original charged-off balance
- ◆State-chartered account duplicated after a core-system conversion
- ◆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
Big Horn Federal 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, Big Horn Federal 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 Big Horn Federal 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.
Big Horn Federal Savings Bank questions, answered
Is Big Horn Federal Savings Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 29637. That record lists Big Horn Federal Savings Bank as a state-chartered savings bank headquartered in Greybull, WY, chartered January 1, 1935, with $400 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Big Horn Federal Savings Bank, and where do I escalate if a dispute fails?
As a state-chartered savings bank, Big Horn Federal Savings Bank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Big Horn Federal Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Big Horn Federal 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 Big Horn Federal Savings Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Big Horn Federal Savings Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. a Big Horn Federal Savings Bank tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Big Horn Federal Savings Bank and disputing with a collector?
Big Horn Federal Savings Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to Big Horn Federal Savings Bank tends to resolve factual questions a collector simply cannot answer.
Does Big Horn Federal Savings Bank report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Big Horn Federal Savings Bank has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Big Horn Federal Savings Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Big Horn Federal Savings Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter of this vintage has been through at least one core-system replacement, which is where duplicate tradelines tend to originate.
Can I dispute Big Horn Federal Savings Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Big Horn Federal Savings Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Big Horn Federal Savings Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter of this vintage has been through at least one core-system replacement, which is where duplicate tradelines tend to originate, pull your own statements and check the Big Horn Federal Savings Bank entry field by field. One documented error beats a broad removal request every time.
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 Big Horn Federal 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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