East Cambridge Savings Bank on Your Credit Report
In short: East Cambridge Savings Bank is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. The FDIC record lists certificate 90173, a charter dating to 1854, headquarters in Cambridge, MA, and 12 FDIC-reported offices holding $1.66 billion in assets as of 06/30/2026. Any account it reports makes East Cambridge Savings Bank the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against 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 East Cambridge Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
East Cambridge Savings Bank appears in the FDIC's active-institution file as certificate 90173, established April 2, 1854. As of the 06/30/2026 call report it carried $1.66 billion in total assets and 12 FDIC-reported offices, an average of about $139 million per office.
How East Cambridge Savings Bank appears on your credit report
East Cambridge Savings Bank is a regional lender headquartered in Cambridge, MA, with 12 FDIC-reported offices and $1.66 billion in assets, on a charter 172 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Overdraft lines of credit attached to East Cambridge Savings Bank deposit accounts
- ◆Deposit-secured and share-secured credit lines opened at East Cambridge Savings Bank
- ◆Home-equity lines and mortgage accounts serviced under the East Cambridge Savings Bank name
Grounds to dispute a East Cambridge Savings Bank entry
Each of these is a reason a East Cambridge 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 East Cambridge Savings Bank in Cambridge, MA but reported late because of a processing-date mismatch
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Automatic-payment enrolment that lapsed at East Cambridge Savings Bank without notice, producing a late mark
- ◆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
East Cambridge 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, East Cambridge 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 East Cambridge 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.
East Cambridge Savings Bank questions, answered
Is East Cambridge Savings Bank FDIC-insured, and what is its certificate number?
Yes. East Cambridge Savings Bank holds FDIC certificate 90173. The FDIC record shows a charter established April 2, 1854, headquarters in Cambridge, MA, and 12 FDIC-reported offices with $1.66 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates East Cambridge Savings Bank, and where do I escalate if a dispute fails?
East Cambridge Savings Bank is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the MA state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the East Cambridge Savings Bank charter, and why does that matter for my credit report?
East Cambridge Savings Bank's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1854 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask East Cambridge Savings Bank in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is East Cambridge Savings Bank, and what does that mean for disputing an account?
East Cambridge Savings Bank reports $1.66 billion across 12 FDIC-reported offices — roughly $139 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute an East Cambridge Savings Bank account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with East Cambridge Savings Bank as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what East Cambridge Savings Bank can verify, and results vary from case to case.
Does MA law change anything about an East Cambridge Savings Bank account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. East Cambridge Savings Bank being headquartered in Cambridge, MA does not make MA law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can an East Cambridge Savings Bank account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on the East Cambridge Savings Bank account and never caught up on. It does not run from the charge-off date, the sale date, or the date East Cambridge Savings Bank last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does East Cambridge Savings Bank appear in the CFPB complaint database?
We do not publish a complaint figure for East Cambridge Savings Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 90173, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with East Cambridge Savings Bank and disputing with a collection agency?
An original creditor like East Cambridge Savings Bank and a collection agency are governed by different laws, and sending the wrong letter costs you time. East Cambridge Savings Bank is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 East Cambridge 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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