Haverhill Bank on Your Credit Report
In short: Haverhill Bank is a community bank operating as a state-chartered stock savings institution supervised by the FDIC and its state regulator, based in Haverhill, Massachusetts. The charter behind FDIC certificate 26411 dates to January 1, 1877 — a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. The 06/30/2026 call report shows $637 million in total assets across 7 FDIC-reported offices. Haverhill Bank 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 Haverhill Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Haverhill Bank holds FDIC certificate 26411, chartered January 1, 1877 in Haverhill, Massachusetts (149 years old), and reported $637 million in total assets across 7 offices on the 06/30/2026 call report.
How Haverhill Bank appears on your credit report
Haverhill Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Consumer accounts originated across its 7 Massachusetts offices
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
Grounds to dispute a Haverhill Bank entry
Each of these is a reason a Haverhill Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when Haverhill Bank converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆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
Haverhill 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, Haverhill 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 Haverhill Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Haverhill Bank questions, answered
Is Haverhill Bank FDIC-insured, and what is its certificate number?
Yes. Haverhill Bank carries FDIC certificate 26411. The FDIC describes it as a state-chartered stock savings institution supervised by the FDIC and its state regulator based in Haverhill, MA, established January 1, 1877, reporting $637 million in total assets and 7 offices as of 06/30/2026.
Who regulates Haverhill Bank, and where do I escalate if a dispute fails?
As a state-chartered stock savings institution supervised by the FDIC and its state regulator, Haverhill Bank answers primarily to the FDIC and its state banking regulator. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against Haverhill Bank?
We do not publish a figure for Haverhill Bank. An exact-name query against the CFPB's credit-card complaint company list returned no match, and partial-name matching is unreliable enough to attach another company's complaints to this one. The public database at consumerfinance.gov is searchable directly.
How long can a Haverhill Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Haverhill Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Haverhill Bank and disputing with a collector?
Haverhill Bank is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with Haverhill Bank under §623 puts the question to the party that can actually check it.
Does Haverhill Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With Haverhill Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Haverhill Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Haverhill Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute Haverhill Bank 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 Haverhill Bank 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 Haverhill Bank 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. Compare the Haverhill Bank tradeline against your own statements line by line; a single provable discrepancy is worth more than a general complaint.
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 Haverhill 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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