Century Savings Bank on Your Credit Report
In short: Century Savings Bank is a state-chartered stock savings institution supervised by the FDIC and its state regulator headquartered in Vineland, New Jersey. The charter behind FDIC certificate 30428 dates to January 1, 1865 — a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. As of the 06/30/2026 call report, Century Savings Bank held $635 million in assets and operated 6 FDIC-reported offices. Century 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 Century Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Century Savings Bank appears in FDIC records as certificate 30428 — $635 million in total assets, 6 offices, headquartered in Vineland, New Jersey, on a charter 161 years old as of 2026.
How Century Savings Bank appears on your credit report
Century Savings Bank is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Mortgage and home-equity credit originated in its New Jersey market
- ◆Consumer accounts originated across its 6 New Jersey offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Century Savings Bank entry
Each of these is a reason a Century Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by Century Savings Bank
- ◆Duplicate tradeline created when Century Savings Bank converted its loan platform
- ◆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
Century 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, Century 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 Century 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.
Century Savings Bank questions, answered
Is Century Savings Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 30428. That record lists Century Savings Bank as a state-chartered stock savings institution supervised by the FDIC and its state regulator headquartered in Vineland, NJ, chartered January 1, 1865, with $635 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Century Savings Bank, and where do I escalate if a dispute fails?
As a state-chartered stock savings institution supervised by the FDIC and its state regulator, Century Savings Bank answers primarily to the FDIC and its state banking regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Century Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Century 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 Century 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 Century Savings Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Century Savings Bank and disputing with a collector?
Century Savings Bank is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with Century Savings Bank under §623 puts the question to the party that can actually check it.
Does Century Savings Bank report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Century Savings Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Century 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 Century Savings Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute Century 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 Century 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 Century 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. Pull your own statements and check the Century 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 Century 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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