First Shore Federal Savings and Loan Association on Your Credit Report
In short: First Shore Federal Savings and Loan Association runs a state-chartered savings bank out of Salisbury, Maryland. FDIC certificate 30680 records the charter as established December 18, 1953. 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 Shore Federal Savings and Loan Association held $367 million in assets and operated 7 FDIC-reported offices. Because First Shore Federal Savings and Loan Association originates and keeps its own loans, it furnishes the tradeline directly — which means you can dispute with the bank under §623 and with the bureaus under §611 at the same time. 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 Shore Federal Savings and Loan Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Shore Federal Savings and Loan Association reported $367 million in total assets and 7 FDIC-reported offices on its 06/30/2026 call report, operating from Salisbury, Maryland under certificate 30680 since December 18, 1953.
How First Shore Federal Savings and Loan Association appears on your credit report
First Shore Federal Savings and Loan Association furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Identify the account by last four digits and open date, say precisely which field is wrong, and run the bureau dispute in parallel rather than sequentially. 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 Maryland region
- ◆Consumer accounts originated across its 7 Maryland offices
Grounds to dispute a First Shore Federal Savings and Loan Association entry
Each of these is a reason a First Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association
- ◆Account settled with First Shore Federal Savings and Loan Association still reporting the original charged-off balance
- ◆Single First Shore Federal Savings and Loan Association loan appearing twice after a systems migration
- ◆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 Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Shore Federal Savings and Loan Association questions, answered
Is First Shore Federal Savings and Loan Association FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 30680. That record lists First Shore Federal Savings and Loan Association as a state-chartered savings bank headquartered in Salisbury, MD, chartered December 18, 1953, with $367 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First Shore Federal Savings and Loan Association, and where do I escalate if a dispute fails?
As a state-chartered savings bank, First Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First Shore Federal Savings and Loan Association account. That anchor date does not reset when the balance is charged off, sold, or transferred. a First Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association and disputing with a collector?
It comes down to who holds the paperwork. First Shore Federal Savings and Loan Association has the signed application and the full payment ledger; an assignee typically received a summary file. A §623 dispute to First Shore Federal Savings and Loan Association therefore reaches the only party able to verify the detail from source.
Does First Shore Federal Savings and Loan Association report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming First Shore Federal Savings and Loan Association made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
First Shore Federal Savings and Loan Association was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association 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 Shore Federal Savings and Loan Association; 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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