Community Partners Savings Bank on Your Credit Report
In short: Community Partners Savings Bank operates out of Salem, Illinois as a state-chartered savings institution supervised by the FDIC and its state regulator. The charter behind FDIC certificate 30819 dates to January 1, 1910 — a charter older than the FDIC itself. As of the 06/30/2026 call report, Community Partners Savings Bank held $288 million in assets and operated 6 FDIC-reported offices. Community Partners 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 Community Partners Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Community Partners Savings Bank carries FDIC certificate 30819, operates 6 FDIC-reported offices and reported $288 million in assets on its most recent call report in Salem, Illinois.
How Community Partners Savings Bank appears on your credit report
This tradeline is furnished by Community Partners Savings Bank itself, not purchased from another lender, which means the source documents are held in-house. With an Illinois charter and 6 FDIC-reported offices, Community Partners Savings Bank adjudicates these disputes internally. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 6 Illinois locations
- ◆Residential mortgage and home-equity lending in and around Salem
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a Community Partners Savings Bank entry
Each of these is a reason a Community Partners 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 Salem teller window credited a day late and reported as delinquent
- ◆Balance not updated to zero after Community Partners Savings Bank completed the payoff
- ◆One Community Partners Savings Bank obligation appearing as two tradelines 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
Community Partners 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, Community Partners 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 Community Partners 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.
Community Partners Savings Bank questions, answered
What is the FDIC certificate number for Community Partners Savings Bank?
Certificate 30819 is the FDIC record for Community Partners Savings Bank. It describes a state-chartered savings institution supervised by the FDIC and its state regulator based in Salem, IL, with a charter dating to January 1, 1910; the 06/30/2026 call report shows $288 million in assets and 6 offices.
Which regulator oversees Community Partners Savings Bank?
Community Partners 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 Community Partners Savings Bank head office in Salem is the right address for the written record.
How many credit-card complaints does the CFPB show against Community Partners Savings Bank?
We do not publish a figure for Community Partners Savings Bank. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
What is the reporting limit on a Community Partners Savings Bank account?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Community Partners Savings Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with Community Partners Savings Bank and disputing with a collector?
The distinction matters because of who holds the evidence. Community Partners Savings Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Community Partners Savings Bank reaches the records themselves.
Will a Community Partners Savings Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so Community Partners Savings Bank — 6 offices in Illinois — 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.
Why does one Community Partners Savings Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Community Partners Savings Bank has operated since 1910, 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.
Is there a free way to dispute the Community Partners Savings Bank tradeline?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Community Partners Savings Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Community Partners Savings Bank headquartered, and does that affect my dispute?
Community Partners Savings Bank is headquartered in Salem, Illinois, with 6 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 Community Partners 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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