Reliance Savings Bank on Your Credit Report
In short: Headquartered in Altoona, Pennsylvania, Reliance Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator. The charter behind FDIC certificate 30117 dates to January 1, 1939. At the 06/30/2026 reporting date the bank showed $649 million in total assets and 9 FDIC-reported offices. Reliance Savings 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 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 Reliance Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Reliance Savings Bank carries FDIC certificate 30117, operates 9 FDIC-reported offices and reported $649 million in assets on its most recent call report in Altoona, Pennsylvania.
How Reliance Savings Bank appears on your credit report
Reliance Savings Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Reliance Savings Bank, and file the §611 dispute in parallel. the Reliance Savings Bank reviews these internally from Altoona, Pennsylvania. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Reliance Savings Bank checking accounts
- ◆Installment loans originated across the 9 Pennsylvania offices of Reliance Savings Bank
- ◆Construction and lot loans underwritten locally by Reliance Savings Bank in Altoona
Grounds to dispute a Reliance Savings Bank entry
Each of these is a reason a Reliance Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Altoona posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Reliance Savings Bank completed the payoff
- ◆Duplicate Reliance Savings Bank tradeline created when the loan was renumbered internally
- ◆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
Reliance Savings 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, Reliance Savings 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 Reliance Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Reliance Savings Bank questions, answered
Does the FDIC insure deposits at Reliance Savings Bank?
It is insured, and certificate 30117 is the number to quote. The FDIC lists a state-chartered savings institution supervised by the FDIC and its state regulator, headquartered Altoona, PA, chartered January 1, 1939, reporting $649 million and 9 offices as of 06/30/2026.
Which regulator oversees Reliance Savings Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Reliance Savings Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Reliance Savings Bank head office in Altoona, Pennsylvania.
How many credit-card complaints does the CFPB show against Reliance Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Reliance Savings 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 Reliance Savings Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Reliance Savings Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Reliance Savings Bank and disputing with a collector?
Go to whoever holds the documents. Reliance Savings Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Reliance Savings Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Reliance Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Reliance Savings Bank — 9 offices in Pennsylvania — 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.
I see duplicate Reliance Savings Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Reliance Savings Bank has operated since 1939, 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 a Reliance Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Reliance Savings Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Reliance Savings Bank headquartered, and does that affect my dispute?
Reliance Savings Bank is headquartered in Altoona, Pennsylvania, with 9 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Reliance Savings 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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