Earlham Savings Bank on Your Credit Report
In short: Earlham Savings Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in West Des Moines, Iowa. The institution carries FDIC certificate 5796 and a charter dated January 1, 1931. The pre-deposit-insurance charter date matters here only because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. The 06/30/2026 call report puts total assets at $383 million, spread over 9 FDIC-reported offices. Earlham Savings Bank books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the bureaus. 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 Earlham Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Earlham Savings Bank holds FDIC certificate 5796, chartered January 1, 1931 in West Des Moines, Iowa (95 years old), and reported $383 million in total assets across 9 offices on the 06/30/2026 call report.
How Earlham Savings Bank appears on your credit report
Earlham Savings Bank is an original creditor, not a collector, and that changes the mechanics. At $383 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Iowa offices
- ◆First-lien mortgages and home-equity lines on Iowa property
- ◆Small-business and consumer accounts carried on the Earlham Savings Bank balance sheet
Grounds to dispute a Earlham Savings Bank entry
Each of these is a reason a Earlham 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 Earlham Savings Bank
- ◆Paid-in-full installment loan still showing an Earlham Savings Bank charge-off status
- ◆Duplicate Earlham Savings Bank tradeline created when the account migrated between core systems
- ◆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
Earlham 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, Earlham 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 Earlham 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.
Earlham Savings Bank questions, answered
Is Earlham Savings Bank FDIC-insured, and what is its certificate number?
Yes. Earlham Savings Bank holds FDIC certificate 5796. The FDIC record shows a charter established January 1, 1931, headquarters in West Des Moines, IA, and 9 FDIC-reported offices with $383 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state banking regulator.
Who regulates Earlham Savings Bank, and where do I escalate if a dispute fails?
Earlham Savings Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Earlham Savings Bank?
We do not carry a complaint count for Earlham Savings Bank. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 9-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can an Earlham Savings Bank charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Earlham Savings Bank, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Earlham Savings Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Earlham Savings Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Earlham Savings Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Earlham Savings Bank report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Earlham Savings Bank tradeline as a genuine dispute target.
Earlham Savings Bank was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, an Earlham Savings Bank account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Earlham Savings Bank reporting myself, without paying anyone?
Entirely. Nothing about disputing Earlham Savings Bank reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on Earlham Savings Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Earlham 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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