Finance Factors, Ltd. on Your Credit Report
In short: Headquartered in Honolulu, HI, Finance Factors, Ltd. has operated under FDIC certificate 25158 since its charter was established in 1952. Its 06/30/2026 call report shows $684 million in total assets and 14 FDIC-reported offices. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Any account it reports makes Finance Factors, Ltd. 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 Finance Factors, Ltd. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Finance Factors, Ltd. has been in continuous operation for 74 years, chartered May 14, 1952 and carried on the FDIC's books as certificate 25158. Its 06/30/2026 call report shows 14 FDIC-reported offices and $684 million in total assets, averaging roughly $49 million per office.
How Finance Factors, Ltd. appears on your credit report
Finance Factors, Ltd. furnishes its own tradelines rather than selling them to a servicer, and at $684 million over 14 FDIC-reported offices it does so from a single HI operation. A 74-year-old charter of this size often carries accounts through legacy core systems, which is exactly where date and status fields get mangled — so ask in writing what the furnished date of first delinquency is and compare it against your own records.
Names it may report under
Products that commonly show up
- ◆Home-equity lines and mortgage accounts serviced under the Finance Factors, Ltd. name
- ◆Personal installment loans originated at Finance Factors, Ltd. offices
- ◆Agricultural and equipment loans carried on the consumer file when personally obligated
Grounds to dispute a Finance Factors, Ltd. entry
Each of these is a reason a Finance Factors, Ltd. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Automatic-payment enrolment that lapsed at Finance Factors, Ltd. without notice, producing a late mark
- ◆Account transferred between Finance Factors, Ltd. systems after a core conversion and duplicated
- ◆Account reported under a predecessor institution name after a merger into Finance Factors, Ltd.
- ◆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
Finance Factors, Ltd. 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, Finance Factors, Ltd. 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 Finance Factors, Ltd. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Finance Factors, Ltd. questions, answered
Is Finance Factors, Ltd. FDIC-insured, and what is its certificate number?
Yes. Finance Factors, Ltd. holds FDIC certificate 25158. The FDIC record shows a charter established May 14, 1952, headquarters in Honolulu, HI, and 14 FDIC-reported offices with $684 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 regulator.
Who regulates Finance Factors, Ltd., and where do I escalate if a dispute fails?
Finance Factors, Ltd. is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the HI 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 Finance Factors, Ltd. charter, and why does that matter for my credit report?
Finance Factors, Ltd. was chartered in 1952, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 74-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask Finance Factors, Ltd. to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Finance Factors, Ltd., and what does that mean for disputing an account?
Finance Factors, Ltd. reports $684 million across 14 FDIC-reported offices — roughly $49 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 Finance Factors, Ltd. 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 Finance Factors, Ltd. 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 Finance Factors, Ltd. can verify, and results vary from case to case.
Does HI law change anything about a Finance Factors, Ltd. 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. Finance Factors, Ltd. being headquartered in Honolulu, HI does not make HI 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 Finance Factors, Ltd. account stay on my credit report?
Generally up to seven years from the date of first delinquency on that Finance Factors, Ltd. 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 Finance Factors, Ltd. 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 Finance Factors, Ltd. appear in the CFPB complaint database?
We do not publish a complaint figure for Finance Factors, Ltd.. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 25158, 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 Finance Factors, Ltd. and disputing with a collection agency?
Finance Factors, Ltd. furnishes the account itself; a collection agency only handles it after the fact. Practically, that means the FDCPA's validation right under §809 is available against the agency but not against Finance Factors, Ltd., while the FCRA §623 accuracy duty applies to Finance Factors, Ltd. directly. If both appear on your report for the same debt, check that they are not reporting duplicate balances — one account should not show as two open obligations.
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 Finance Factors, Ltd.; 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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