Bogota Savings Bank on Your Credit Report
In short: Headquartered in Teaneck, New Jersey, Bogota Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator. The charter behind FDIC certificate 29941 dates to January 1, 1893. At the 06/30/2026 reporting date the bank showed $872 million in total assets and 9 FDIC-reported offices. Bogota 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 available 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 Bogota Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bogota Savings Bank holds FDIC certificate 29941 from a charter dated January 1, 1893, running 9 FDIC-reported offices out of Teaneck, New Jersey against $872 million in reported assets.
How Bogota Savings Bank appears on your credit report
Because Bogota Savings Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Bogota Savings Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 9 offices in New Jersey, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through Bogota Savings Bank branch staff in New Jersey
- ◆First-lien residential mortgages and refinances written around Teaneck
- ◆Small-business and agricultural credit carried on the Bogota Savings Bank balance sheet
Grounds to dispute a Bogota Savings Bank entry
Each of these is a reason a Bogota Savings 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 Bogota Savings Bank failed and the missed cycle reported before notice reached you
- ◆Paid-in-full Bogota Savings Bank loan still showing a balance after the payoff cleared
- ◆Bogota Savings 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
Bogota 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, Bogota 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 Bogota 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.
Bogota Savings Bank questions, answered
Is Bogota Savings Bank FDIC-insured, and under what certificate?
Yes — Bogota Savings Bank appears in FDIC BankFind under certificate 29941. The record shows a state-chartered savings institution supervised by the FDIC and its state regulator based in Teaneck, NJ, with a charter dated January 1, 1893, $872 million in assets and 9 offices at the 06/30/2026 call report.
Which regulator oversees Bogota Savings Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Bogota Savings Bank 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 Bogota Savings Bank head office in Teaneck, New Jersey.
How many credit-card complaints does the CFPB show against Bogota Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Bogota 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 Bogota Savings Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Bogota Savings 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 Bogota Savings Bank and disputing with a collector?
Go to whoever holds the documents. Bogota Savings Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Bogota Savings Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Bogota Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Bogota Savings Bank — 9 offices in New Jersey — 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 Bogota Savings Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Bogota Savings Bank has operated since 1893, 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 Bogota Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Bogota 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 Bogota Savings Bank headquartered, and does that affect my dispute?
Bogota Savings Bank is headquartered in Teaneck, New Jersey, with 9 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 Bogota 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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