First Savings Bank of Hegewisch on Your Credit Report
In short: First Savings Bank of Hegewisch is a state-chartered savings institution supervised by the FDIC and its state regulator, operating from Chicago, Illinois. FDIC records place the charter's origin at January 1, 1914 and assign it certificate 29809. The 06/30/2026 call report lists $787 million in assets across 14 FDIC-reported offices. Because First Savings Bank of Hegewisch 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 Savings Bank of Hegewisch actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Savings Bank of Hegewisch holds FDIC certificate 29809 from a charter dated January 1, 1914, running 14 FDIC-reported offices out of Chicago, Illinois against $787 million in reported assets.
How First Savings Bank of Hegewisch appears on your credit report
First Savings Bank of Hegewisch is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to First Savings Bank of Hegewisch, and file the §611 dispute in parallel. the First Savings Bank of Hegewisch reviews these internally from Chicago, Illinois. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 14 Illinois banking offices of First Savings Bank of Hegewisch
- ◆Home-equity lines and residential mortgages originated near Chicago
- ◆Vehicle and equipment paper financed directly through First Savings Bank of Hegewisch
Grounds to dispute a First Savings Bank of Hegewisch entry
Each of these is a reason a First Savings Bank of Hegewisch tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with First Savings Bank of Hegewisch failed and the missed cycle reported before notice reached you
- ◆Paid-in-full First Savings Bank of Hegewisch loan still showing a balance after the payoff cleared
- ◆First Savings Bank of Hegewisch tradeline reporting a credit limit that was never approved in writing
- ◆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 Savings Bank of Hegewisch 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 Savings Bank of Hegewisch 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 Savings Bank of Hegewisch a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Savings Bank of Hegewisch questions, answered
Is First Savings Bank of Hegewisch FDIC-insured, and under what certificate?
It is insured, and certificate 29809 is the number to quote. The FDIC lists a state-chartered savings institution supervised by the FDIC and its state regulator, headquartered Chicago, IL, chartered January 1, 1914, reporting $787 million and 14 offices as of 06/30/2026.
Which regulator oversees First Savings Bank of Hegewisch?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to First Savings Bank of Hegewisch 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 Savings Bank of Hegewisch head office in Chicago, Illinois.
How many credit-card complaints does the CFPB show against First Savings Bank of Hegewisch?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Savings Bank of Hegewisch 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 Savings Bank of Hegewisch charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying First Savings Bank of Hegewisch 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 Savings Bank of Hegewisch and disputing with a collector?
The records live in different places. As the original creditor, First Savings Bank of Hegewisch holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at First Savings Bank of Hegewisch therefore lands where the evidence actually is.
Does First Savings Bank of Hegewisch report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so First Savings Bank of Hegewisch — 14 offices in Illinois — 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 Savings Bank of Hegewisch tradelines — is that allowed?
One account showing twice is a classic conversion artifact. First Savings Bank of Hegewisch has operated since 1914, 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 Savings Bank of Hegewisch account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Savings Bank of Hegewisch 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 Savings Bank of Hegewisch headquartered, and does that affect my dispute?
First Savings Bank of Hegewisch is headquartered in Chicago, Illinois, with 14 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 Savings Bank of Hegewisch; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.