Martha's Vineyard Bank on Your Credit Report
In short: Based in Edgartown, Massachusetts, Martha's Vineyard Bank is a state-chartered commercial bank that is a member of the Federal Reserve System. The institution carries FDIC certificate 90190 and a charter dated April 15, 1955. The mid-century charter date matters here only because a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. The 06/30/2026 call report puts total assets at $1.33 billion, spread over 10 FDIC-reported offices. Since the loans are originated and held by Martha's Vineyard Bank itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 Martha's Vineyard Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Martha's Vineyard Bank is an FDIC-insured state bank under certificate 90190, headquartered in Edgartown, Massachusetts, with $1.33 billion in total assets and 10 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to April 15, 1955.
How Martha's Vineyard Bank appears on your credit report
Martha's Vineyard Bank furnishes its own tradelines as the original creditor, which matters for how you write. A 10-office mid-size regional bank rarely has a dedicated disputes department, so precision in your letter does more work than volume. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and consumer installment credit written in-branch
- ◆First-lien mortgages and home-equity lines on Massachusetts property
- ◆Consumer accounts originated across its 10 Massachusetts offices
Grounds to dispute a Martha's Vineyard Bank entry
Each of these is a reason a Martha's Vineyard Bank 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 Martha's Vineyard Bank
- ◆Account settled with Martha's Vineyard Bank still reporting the original charged-off balance
- ◆The same Martha's Vineyard Bank loan appearing twice after a branch or system consolidation
- ◆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
Martha's Vineyard 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, Martha's Vineyard 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 Martha's Vineyard Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Martha's Vineyard Bank questions, answered
Is Martha's Vineyard Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 90190. That record lists Martha's Vineyard Bank as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Edgartown, MA, chartered April 15, 1955, with $1.33 billion in assets across 10 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Martha's Vineyard Bank, and where do I escalate if a dispute fails?
Martha's Vineyard Bank is a state-chartered commercial bank that is a member of the Federal Reserve System, so its primary oversight runs through the Federal Reserve and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Martha's Vineyard Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Martha's Vineyard Bank 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 Martha's Vineyard Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Martha's Vineyard Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Martha's Vineyard Bank 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 Martha's Vineyard Bank and disputing with a collector?
The records sit in different places. Martha's Vineyard Bank originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with Martha's Vineyard Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Martha's Vineyard Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Martha's Vineyard Bank's own arrangements. A lender with 10 offices and $1.33 billion in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Martha's Vineyard Bank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Martha's Vineyard Bank was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate, a Martha's Vineyard Bank account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Martha's Vineyard Bank reporting myself, without paying anyone?
Entirely. Nothing about disputing Martha's Vineyard Bank reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on Martha's Vineyard Bank reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With Martha's Vineyard Bank, a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Martha's Vineyard 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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