Ozarks Federal Savings and Loan Association on Your Credit Report
In short: Ozarks Federal Savings and Loan Association operates out of Farmington, Missouri as a state-chartered savings bank supervised by the FDIC and its state regulator. Certificate 28277 was issued against a charter dating to January 1, 1930, a charter older than the FDIC itself. Call-report figures for 06/30/2026 list $277 million in assets spread over 5 FDIC-reported offices. Ozarks Federal Savings and Loan Association 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 available 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 Ozarks Federal Savings and Loan Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Ozarks Federal Savings and Loan Association carries FDIC certificate 28277, operates 5 FDIC-reported offices and reported $277 million in assets on its most recent call report in Farmington, Missouri.
How Ozarks Federal Savings and Loan Association appears on your credit report
This tradeline is furnished by Ozarks Federal Savings and Loan Association itself, not purchased from another lender, which means the source documents are held in-house. With a Missouri charter and 5 FDIC-reported offices, Ozarks Federal Savings and Loan Association adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at its 5 Missouri banking offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Farmington
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute an Ozarks Federal Savings and Loan Association entry
Each of these is a reason an Ozarks 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.
- ◆Payment made at a Farmington teller window credited a day late and reported as delinquent
- ◆Paid-in-full Ozarks Federal Savings and Loan Association loan continuing to report an outstanding balance
- ◆Single Ozarks Federal Savings and Loan Association account reporting twice following a data 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
Ozarks 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, Ozarks 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 Ozarks 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.
Ozarks Federal Savings and Loan Association questions, answered
What is the FDIC certificate number for Ozarks Federal Savings and Loan Association?
Yes — deposits are FDIC-insured under certificate 28277. The FDIC record lists Ozarks Federal Savings and Loan Association as a state-chartered savings bank supervised by the FDIC and its state regulator headquartered in Farmington, MO, chartered January 1, 1930, holding $277 million across 5 offices at the 06/30/2026 call report.
Which regulator oversees Ozarks Federal Savings and Loan Association?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Ozarks Federal Savings and Loan Association tells you.
How many credit-card complaints does the CFPB show against Ozarks Federal Savings and Loan Association?
We do not publish a figure for Ozarks Federal Savings and Loan Association. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can an Ozarks Federal Savings and Loan Association charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Ozarks Federal Savings and Loan Association account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
Is it better to go to Ozarks Federal Savings and Loan Association or to the collector?
The distinction matters because of who holds the evidence. Ozarks Federal Savings and Loan Association originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Ozarks Federal Savings and Loan Association reaches the records themselves.
Will an Ozarks Federal Savings and Loan Association account show on all three reports?
Furnishing is voluntary under the FCRA, so Ozarks Federal Savings and Loan Association — 5 offices in Missouri — 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.
Ozarks Federal Savings and Loan Association changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Ozarks Federal Savings and Loan Association has operated since 1930, 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 an Ozarks Federal Savings and Loan Association account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Ozarks Federal Savings and Loan Association are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Ozarks Federal Savings and Loan Association headquartered, and does that affect my dispute?
Ozarks Federal Savings and Loan Association is based in Farmington, Missouri and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Ozarks 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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