Crest Savings Bank on Your Credit Report
In short: Crest Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator, operating from Wildwood, New Jersey. FDIC records place the charter's origin at January 1, 1919 and assign it certificate 28818. The 06/30/2026 call report lists $594 million in assets across 8 FDIC-reported offices. Because Crest Savings Bank originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 Crest Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Crest Savings Bank appears in FDIC BankFind as certificate 28818, headquartered Wildwood, New Jersey, chartered January 1, 1919, with 8 FDIC-reported offices and $594 million in assets.
How Crest Savings Bank appears on your credit report
Crest Savings Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a New Jersey charter and 8 FDIC-reported offices, Crest Savings Bank adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by Crest Savings Bank in New Jersey
- ◆Home-improvement and second-lien lending booked near Wildwood
- ◆Commercial and owner-occupied real-estate credit held by Crest Savings Bank
Grounds to dispute a Crest Savings Bank entry
Each of these is a reason a Crest 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 Wildwood office credited to the wrong Crest Savings Bank account number
- ◆Account still reporting open after Crest Savings Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Crest 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
Crest 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, Crest 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 Crest 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.
Crest Savings Bank questions, answered
Is Crest Savings Bank FDIC-insured, and under what certificate?
Yes — Crest Savings Bank appears in FDIC BankFind under certificate 28818. The record shows a state-chartered savings institution supervised by the FDIC and its state regulator based in Wildwood, NJ, with a charter dated January 1, 1919, $594 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees Crest Savings Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Crest 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 Crest Savings Bank head office in Wildwood, New Jersey.
How many credit-card complaints does the CFPB show against Crest Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Crest 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 Crest 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 Crest 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 Crest Savings Bank and disputing with a collector?
Go to whoever holds the documents. Crest 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 Crest Savings Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Crest Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Crest Savings Bank — 8 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 Crest Savings Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Crest Savings Bank has operated since 1919, 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 Crest Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Crest 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 Crest Savings Bank headquartered, and does that affect my dispute?
Crest Savings Bank is headquartered in Wildwood, New Jersey, 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 Crest 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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