First Central Savings Bank on Your Credit Report
In short: First Central Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator, operating from Glen Cove, New York. FDIC records place the charter's origin at April 5, 1999 and assign it certificate 34969. The 06/30/2026 call report lists $1.03 billion in assets across 10 FDIC-reported offices. Because First Central Savings Bank originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 First Central Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Central Savings Bank is recorded by the FDIC under certificate 34969 as a state-chartered savings institution supervised by the FDIC and its state regulator, with 10 offices in New York and $1.03 billion in assets at the 06/30/2026 call report.
How First Central Savings Bank appears on your credit report
Because First Central Savings Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to First Central Savings Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 10 offices in New York, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to First Central Savings Bank checking accounts
- ◆Installment loans originated across the 10 New York offices of First Central Savings Bank
- ◆Construction and lot loans underwritten locally by First Central Savings Bank in Glen Cove
Grounds to dispute a First Central Savings Bank entry
Each of these is a reason a First Central Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Glen Cove posted after the due date and reported 30 days late
- ◆Balance not updated to zero after First Central Savings Bank completed the payoff
- ◆Duplicate First Central 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
First Central 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, First Central 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 First Central 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.
First Central Savings Bank questions, answered
Does the FDIC insure deposits at First Central Savings Bank?
It is insured, and certificate 34969 is the number to quote. The FDIC lists a state-chartered savings institution supervised by the FDIC and its state regulator, headquartered Glen Cove, NY, chartered April 5, 1999, reporting $1.03 billion and 10 offices as of 06/30/2026.
Who supervises First Central Savings Bank if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to First Central Savings Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the First Central Savings Bank head office in Glen Cove, New York.
How many credit-card complaints does the CFPB show against First Central Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Central Savings 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 a First Central Savings Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First Central Savings Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with First Central Savings Bank and disputing with a collector?
Go to whoever holds the documents. First Central Savings Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to First Central Savings Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does First Central Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First Central Savings Bank — 10 offices in New York — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate First Central Savings Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First Central Savings Bank has operated since 1999, 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.
Can I dispute a First Central Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Central Savings Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is First Central Savings Bank headquartered, and does that affect my dispute?
First Central Savings Bank is headquartered in Glen Cove, New York, with 10 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 First Central 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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