First Federal Community Bank of Bucyrus on Your Credit Report
In short: First Federal Community Bank of Bucyrus is a state-chartered savings and loan association supervised by the FDIC and its state regulator headquartered in Bucyrus, Ohio. The charter behind FDIC certificate 29705 dates to January 1, 1887 — a nineteenth-century charter that spans the move from ledger cards to automated furnishing. As of the 06/30/2026 call report, First Federal Community Bank of Bucyrus held $374 million in assets and operated 6 FDIC-reported offices. As the originating lender, First Federal Community Bank of Bucyrus furnishes the tradeline itself — meaning a §623 dispute reaches the party holding the underlying paperwork, and a §611 dispute runs in parallel through 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 First Federal Community Bank of Bucyrus actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Federal Community Bank of Bucyrus carries FDIC certificate 29705, operates 6 FDIC-reported offices and reported $374 million in assets on its most recent call report in Bucyrus, Ohio.
How First Federal Community Bank of Bucyrus appears on your credit report
First Federal Community Bank of Bucyrus furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Chartered in Ohio and operating 6 FDIC-reported offices, First Federal Community Bank of Bucyrus handles disputes against its own records. Put the dispute in writing, identify the exact field you say is wrong, and open the §611 bureau route 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
- ◆Consumer and installment accounts originated across its 6 Ohio offices
- ◆Home-equity lines and residential mortgages booked locally in Ohio
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a First Federal Community Bank of Bucyrus entry
Each of these is a reason a First Federal Community Bank of Bucyrus tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Counter deposit at a First Federal Community Bank of Bucyrus branch in Bucyrus posted after cutoff and reported late
- ◆Paid-in-full account still reporting an outstanding balance from First Federal Community Bank of Bucyrus
- ◆Duplicate First Federal Community Bank of Bucyrus tradeline created during a system conversion
- ◆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 Federal Community Bank of Bucyrus 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 Federal Community Bank of Bucyrus 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 Federal Community Bank of Bucyrus a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Federal Community Bank of Bucyrus questions, answered
Is First Federal Community Bank of Bucyrus FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 29705. That record lists First Federal Community Bank of Bucyrus as a state-chartered savings and loan association supervised by the FDIC and its state regulator headquartered in Bucyrus, OH, chartered January 1, 1887, with $374 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First Federal Community Bank of Bucyrus, and where do I escalate if a dispute fails?
As a state-chartered savings and loan association supervised by the FDIC and its state regulator, First Federal Community Bank of Bucyrus answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against First Federal Community Bank of Bucyrus?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Federal Community Bank of Bucyrus 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 Federal Community Bank of Bucyrus charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First Federal Community Bank of Bucyrus account. Charging the balance off, selling it, or transferring it to a servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with First Federal Community Bank of Bucyrus and disputing with a collector?
First Federal Community Bank of Bucyrus is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with First Federal Community Bank of Bucyrus under §623 puts the question to the party that can actually check it against source documents.
Does First Federal Community Bank of Bucyrus report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 6 offices often does not. Pull all three files and compare them. With First Federal Community Bank of Bucyrus, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
First Federal Community Bank of Bucyrus changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. First Federal Community Bank of Bucyrus has operated since 1887, and a charter of that age 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 explicitly.
Can I dispute a First Federal Community Bank of Bucyrus account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First Federal Community Bank of Bucyrus are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is First Federal Community Bank of Bucyrus headquartered, and does that affect my dispute?
First Federal Community Bank of Bucyrus is headquartered in Bucyrus, Ohio, with 6 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 Federal Community Bank of Bucyrus; 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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