Fidelity Co-operative Bank on Your Credit Report
In short: Fidelity Co-operative 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, operating from Leominster, MA on a charter established in 1888. FDIC certificate 26451 records 13 FDIC-reported offices and $1.31 billion in total assets on the 06/30/2026 call report. Because Fidelity Co-operative Bank furnishes the tradeline itself, the FCRA §623 accuracy duty runs directly against the bank — so you can dispute with it as well as with the three 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 Fidelity Co-operative Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Fidelity Co-operative Bank has been in continuous operation for 138 years, chartered January 1, 1888 and carried on the FDIC's books as certificate 26451. Its 06/30/2026 call report shows 13 FDIC-reported offices and $1.31 billion in total assets, averaging roughly $101 million per office.
How Fidelity Co-operative Bank appears on your credit report
Because Fidelity Co-operative Bank is regional — $1.31 billion in assets, 13 FDIC-reported offices, headquartered in Leominster, MA — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Overdraft lines of credit attached to Fidelity Co-operative Bank deposit accounts
- ◆Deposit-secured and share-secured credit lines opened at Fidelity Co-operative Bank
- ◆Home-equity lines and mortgage accounts serviced under the Fidelity Co-operative Bank name
Grounds to dispute a Fidelity Co-operative Bank entry
Each of these is a reason a Fidelity Co-operative Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Paid-off Fidelity Co-operative Bank installment loan still showing a balance after the final payment cleared
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆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
Fidelity Co-operative 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, Fidelity Co-operative 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 Fidelity Co-operative Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Fidelity Co-operative Bank questions, answered
Is Fidelity Co-operative Bank FDIC-insured, and what is its certificate number?
Yes. Fidelity Co-operative Bank holds FDIC certificate 26451. The FDIC record shows a charter established January 1, 1888, headquarters in Leominster, MA, and 13 FDIC-reported offices with $1.31 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 Fidelity Co-operative Bank, and where do I escalate if a dispute fails?
Fidelity Co-operative 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 Fidelity Co-operative Bank charter, and why does that matter for my credit report?
Fidelity Co-operative Bank's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1888 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 Fidelity Co-operative 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 Fidelity Co-operative Bank, and what does that mean for disputing an account?
Fidelity Co-operative Bank reports $1.31 billion across 13 FDIC-reported offices — roughly $101 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 a Fidelity Co-operative 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 Fidelity Co-operative 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 Fidelity Co-operative Bank can verify, and results vary from case to case.
Does MA law change anything about a Fidelity Co-operative 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. Fidelity Co-operative Bank being headquartered in Leominster, 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 a Fidelity Co-operative Bank account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Fidelity Co-operative Bank account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If Fidelity Co-operative Bank or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does Fidelity Co-operative Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Fidelity Co-operative Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 26451, 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 Fidelity Co-operative Bank and disputing with a collection agency?
An original creditor like Fidelity Co-operative Bank and a collection agency are governed by different laws, and sending the wrong letter costs you time. Fidelity Co-operative 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 Fidelity Co-operative 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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