Savings Bank of Walpole on Your Credit Report
In short: Savings Bank of Walpole, based in Walpole, New Hampshire, is a state-chartered stock savings institution supervised by the FDIC and its state regulator. FDIC records place the charter date at July 21, 1875 under certificate 18030; it is 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 $858 million in total assets across 7 FDIC-reported offices. Savings Bank of Walpole 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 Savings Bank of Walpole actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Savings Bank of Walpole is recorded by the FDIC under certificate 18030 as a state-chartered stock savings institution supervised by the FDIC and its state regulator, established July 21, 1875 in Walpole, New Hampshire, with $858 million in assets and 7 offices as of 06/30/2026.
How Savings Bank of Walpole appears on your credit report
Savings Bank of Walpole 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. Identify the account precisely, challenge one field at a time, and keep proof of mailing. What changes depends on what Savings Bank of Walpole can verify, and that differs case to case.
Names it may report under
Products that commonly show up
- ◆Consumer accounts originated across its 7 New Hampshire offices
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
Grounds to dispute a Savings Bank of Walpole entry
Each of these is a reason a Savings Bank of Walpole tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account settled with Savings Bank of Walpole still reporting the original charged-off 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
Savings Bank of Walpole 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, Savings Bank of Walpole 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 Savings Bank of Walpole a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Savings Bank of Walpole questions, answered
Is Savings Bank of Walpole FDIC-insured, and what is its certificate number?
Yes. Savings Bank of Walpole carries FDIC certificate 18030. The FDIC describes it as a state-chartered stock savings institution supervised by the FDIC and its state regulator based in Walpole, NH, established July 21, 1875, reporting $858 million in total assets and 7 offices as of 06/30/2026.
Who regulates Savings Bank of Walpole, and where do I escalate if a dispute fails?
As a state-chartered stock savings institution supervised by the FDIC and its state regulator, Savings Bank of Walpole answers primarily to the FDIC and its state banking regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Savings Bank of Walpole?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Savings Bank of Walpole 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 Savings Bank of Walpole charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Savings Bank of Walpole account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Savings Bank of Walpole and disputing with a collector?
Savings Bank of Walpole 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 Savings Bank of Walpole under §623 puts the question to the party that can actually check it.
Does Savings Bank of Walpole 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 Savings Bank of Walpole, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Savings Bank of Walpole was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Savings Bank of Walpole 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 Savings Bank of Walpole 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. Put the challenge to Savings Bank of Walpole in writing, name one field, mirror it to the bureaus, and keep copies. Results vary with what the documentation supports.
What should I check first on Savings Bank of Walpole 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. Pull your own statements and check the Savings Bank of Walpole entry field by field. One documented error beats a broad removal request every time.
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 Savings Bank of Walpole; 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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