Evergreen Federal Bank on Your Credit Report
In short: Evergreen Federal Bank, based in Grants Pass, Oregon, is a state-chartered savings bank supervised by the FDIC and its state regulator. Under FDIC certificate 28914, the charter was established June 1, 1934, making it a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. As of the 06/30/2026 call report, Evergreen Federal Bank held $622 million in assets and operated 6 FDIC-reported offices. Evergreen Federal 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 Evergreen Federal Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Evergreen Federal Bank holds FDIC certificate 28914, chartered June 1, 1934 in Grants Pass, Oregon (92 years old), and reported $622 million in total assets across 6 offices on the 06/30/2026 call report.
How Evergreen Federal Bank appears on your credit report
Evergreen Federal 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. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the Grants Pass area
- ◆Consumer accounts originated across its 6 Oregon offices
Grounds to dispute a Evergreen Federal Bank entry
Each of these is a reason a Evergreen Federal Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when Evergreen Federal Bank converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆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
Evergreen Federal 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, Evergreen Federal 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 Evergreen Federal Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Evergreen Federal Bank questions, answered
Is Evergreen Federal Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 28914. That record lists Evergreen Federal Bank as a state-chartered savings bank supervised by the FDIC and its state regulator headquartered in Grants Pass, OR, chartered June 1, 1934, with $622 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Evergreen Federal Bank, and where do I escalate if a dispute fails?
As a state-chartered savings bank supervised by the FDIC and its state regulator, Evergreen Federal Bank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Evergreen Federal Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Evergreen Federal 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 an Evergreen Federal Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Evergreen Federal Bank account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with Evergreen Federal Bank and disputing with a collector?
Evergreen Federal 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 Evergreen Federal Bank under §623 puts the question to the party that can actually check it.
Does Evergreen Federal 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 Evergreen Federal Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Evergreen Federal Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Evergreen Federal Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute Evergreen Federal 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 Evergreen Federal 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 Evergreen Federal 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 Evergreen Federal 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 Evergreen Federal 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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