First Federal Savings and Loan Association of Bath on Your Credit Report
In short: First Federal Savings and Loan Association of Bath is a state-chartered savings bank headquartered in Bath, Maine. FDIC certificate 29636 records the charter as established January 1, 1935. That makes it a mid-century charter, so its reporting history predates most of the systems that now carry it. As of the 06/30/2026 call report, First Federal Savings and Loan Association of Bath held $189 million in assets and operated 5 FDIC-reported offices. First Federal Savings and Loan Association of Bath 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 open 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 First Federal Savings and Loan Association of Bath actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Federal Savings and Loan Association of Bath is recorded by the FDIC under certificate 29636 as a state-chartered savings bank, established January 1, 1935 in Bath, Maine, with $189 million in assets and 5 offices as of 06/30/2026.
How First Federal Savings and Loan Association of Bath appears on your credit report
First Federal Savings and Loan Association of Bath is an original creditor, not a collector, and that changes the mechanics. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the Maine market
- ◆Consumer accounts originated across its 5 Maine offices
Grounds to dispute a First Federal Savings and Loan Association of Bath entry
Each of these is a reason a First Federal Savings and Loan Association of Bath tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by First Federal Savings and Loan Association of Bath
- ◆Account settled with First Federal Savings and Loan Association of Bath still reporting the original charged-off balance
- ◆Duplicate tradeline created when First Federal Savings and Loan Association of Bath converted its loan platform
- ◆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 Savings and Loan Association of Bath 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 Savings and Loan Association of Bath 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 Savings and Loan Association of Bath 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 Savings and Loan Association of Bath questions, answered
Is First Federal Savings and Loan Association of Bath FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 29636. That record lists First Federal Savings and Loan Association of Bath as a state-chartered savings bank headquartered in Bath, ME, chartered January 1, 1935, with $189 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First Federal Savings and Loan Association of Bath, and where do I escalate if a dispute fails?
As a state-chartered savings bank, First Federal Savings and Loan Association of Bath answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First Federal Savings and Loan Association of Bath?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Federal Savings and Loan Association of Bath 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 Savings and Loan Association of Bath 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 Savings and Loan Association of Bath account. That anchor date does not reset when the balance is charged off, sold, or transferred. a First Federal Savings and Loan Association of Bath tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with First Federal Savings and Loan Association of Bath and disputing with a collector?
First Federal Savings and Loan Association of Bath is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to First Federal Savings and Loan Association of Bath tends to resolve factual questions a collector simply cannot answer.
Does First Federal Savings and Loan Association of Bath report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With First Federal Savings and Loan Association of Bath, a varying balance usually means different refresh dates; a varying account status or date of first delinquency is the real signal.
First Federal Savings and Loan Association of Bath was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First Federal Savings and Loan Association of Bath migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter of this vintage has been through at least one core-system replacement, which is where duplicate tradelines tend to originate.
Can I dispute First Federal Savings and Loan Association of Bath reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to First Federal Savings and Loan Association of Bath naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on First Federal Savings and Loan Association of Bath reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter of this vintage has been through at least one core-system replacement, which is where duplicate tradelines tend to originate, pull your own statements and check the First Federal Savings and Loan Association of Bath entry field by field. One documented error beats a broad removal request every time.
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 Savings and Loan Association of Bath; 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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