Fayette Savings Bank, SSB on Your Credit Report
In short: Fayette Savings Bank, SSB operates out of La Grange, Texas as a state-chartered savings institution supervised by the FDIC and its state regulator. Certificate 31936 was issued against a charter dating to January 1, 1976, a late-twentieth-century charter. The 06/30/2026 call report puts Fayette Savings Bank at $552 million in assets across 5 FDIC-reported offices. Fayette Savings Bank, SSB 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 Fayette Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Fayette Savings Bank, SSB carries FDIC certificate 31936, operates 5 FDIC-reported offices and reported $552 million in assets on its most recent call report in La Grange, Texas.
How Fayette Savings Bank appears on your credit report
Because Fayette Savings Bank, SSB originated the account, it furnishes the tradeline directly and holds the original file. Chartered in Texas and operating 5 FDIC-reported offices, Fayette Savings Bank handles disputes against its own records. 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
- ◆Deposit-secured and personal installment credit written at its 5 Texas offices
- ◆Residential mortgage and home-equity lending in and around La Grange
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a Fayette Savings Bank entry
Each of these is a reason a Fayette Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the La Grange office on time but posted to the next cycle
- ◆Balance not updated to zero after Fayette Savings Bank completed the payoff
- ◆Duplicate Fayette Savings Bank tradeline created when the loan was renumbered internally
- ◆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
Fayette Savings Bank, SSB 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, Fayette Savings Bank, SSB 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 Fayette Savings Bank, SSB a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Fayette Savings Bank, SSB questions, answered
What is the FDIC certificate number for Fayette Savings Bank, SSB?
Certificate 31936 is the FDIC record for Fayette Savings Bank, SSB. It describes a state-chartered savings institution supervised by the FDIC and its state regulator based in La Grange, TX, with a charter dating to January 1, 1976; the 06/30/2026 call report shows $552 million in assets and 5 offices.
Who regulates Fayette Savings Bank, SSB, and where do I escalate if a dispute fails?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Fayette Savings Bank tells you.
How many credit-card complaints does the CFPB show against Fayette Savings Bank, SSB?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Fayette Savings Bank, SSB, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
When does a Fayette Savings Bank, SSB charge-off fall off my report?
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 Fayette Savings Bank, SSB tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to Fayette Savings Bank, SSB or to the collector?
The distinction matters because of who holds the evidence. Fayette Savings Bank, SSB originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Fayette Savings Bank reaches the records themselves.
Does Fayette Savings Bank, SSB furnish to Equifax, Experian and TransUnion?
There is no legal requirement to furnish to every bureau, and Fayette Savings Bank, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Fayette Savings Bank.
Why does one Fayette Savings Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Fayette Savings Bank, SSB has operated since 1976, 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.
Do I need to hire someone to dispute a Fayette Savings Bank, SSB entry?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Fayette 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 Fayette Savings Bank, SSB headquartered, and does that affect my dispute?
Fayette Savings Bank is based in La Grange, Texas and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Fayette Savings Bank, SSB; 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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