Lincoln FSB of Nebraska on Your Credit Report
In short: Lincoln FSB of Nebraska is a state-chartered savings bank supervised by the FDIC and its state regulator, operating from Lincoln, NE on a charter established in 1906. FDIC certificate 29692 records 13 FDIC-reported offices and $387 million in total assets on the 06/30/2026 call report. Any account it reports makes Lincoln FSB of Nebraska the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against 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 Lincoln FSB of Nebraska actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Lincoln FSB of Nebraska appears in the FDIC's active-institution file as certificate 29692, established January 1, 1906. As of the 06/30/2026 call report it carried $387 million in total assets and 13 FDIC-reported offices, an average of about $30 million per office.
How Lincoln FSB of Nebraska appears on your credit report
Lincoln FSB of Nebraska is a community-scale lender headquartered in Lincoln, NE, with 13 FDIC-reported offices and $387 million in assets, on a charter 120 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
Grounds to dispute a Lincoln FSB of Nebraska entry
Each of these is a reason a Lincoln FSB of Nebraska tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed Lincoln FSB of Nebraska deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by Lincoln FSB of Nebraska but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆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
Lincoln FSB of Nebraska 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, Lincoln FSB of Nebraska 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 Lincoln FSB of Nebraska a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Lincoln FSB of Nebraska questions, answered
Is Lincoln FSB of Nebraska FDIC-insured, and what is its certificate number?
Yes. Lincoln FSB of Nebraska holds FDIC certificate 29692. The FDIC record shows a charter established January 1, 1906, headquarters in Lincoln, NE, and 13 FDIC-reported offices with $387 million in total assets as of the 06/30/2026 call report. It is a state-chartered savings bank supervised by the FDIC and its state regulator.
Who regulates Lincoln FSB of Nebraska, and where do I escalate if a dispute fails?
Lincoln FSB of Nebraska is a state-chartered savings bank supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the NE state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Lincoln FSB of Nebraska charter, and why does that matter for my credit report?
Lincoln FSB of Nebraska's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1906 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask Lincoln FSB of Nebraska in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is Lincoln FSB of Nebraska, and what does that mean for disputing an account?
Lincoln FSB of Nebraska reports $387 million across 13 FDIC-reported offices — roughly $30 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Lincoln FSB of Nebraska account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Lincoln FSB of Nebraska as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Lincoln FSB of Nebraska can verify, and results vary from case to case.
Does NE law change anything about a Lincoln FSB of Nebraska account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Lincoln FSB of Nebraska being headquartered in Lincoln, NE does not make NE law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Lincoln FSB of Nebraska account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on the Lincoln FSB of Nebraska account and never caught up on. It does not run from the charge-off date, the sale date, or the date Lincoln FSB of Nebraska last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does Lincoln FSB of Nebraska appear in the CFPB complaint database?
We do not publish a complaint figure for Lincoln FSB of Nebraska. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 29692, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Lincoln FSB of Nebraska and disputing with a collection agency?
Lincoln FSB of Nebraska furnishes the account itself; a collection agency only handles it after the fact. Practically, that means the FDCPA's validation right under §809 is available against the agency but not against Lincoln FSB of Nebraska, while the FCRA §623 accuracy duty applies to Lincoln FSB of Nebraska directly. If both appear on your report for the same debt, check that they are not reporting duplicate balances — one account should not show as two open obligations.
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 Lincoln FSB of Nebraska; 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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