Sugar River Bank on Your Credit Report
In short: Sugar River Bank, based in Newport, New Hampshire, is a state-chartered stock savings institution supervised by the FDIC and its state regulator. FDIC records place the charter date at January 1, 1895 under certificate 18028; it is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. As of the 06/30/2026 call report, Sugar River Bank held $424 million in assets and operated 6 FDIC-reported offices. As the originating furnisher, Sugar River Bank holds the source records, so a §623 dispute and a §611 bureau dispute can run in parallel. 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 Sugar River Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Sugar River Bank operates 6 FDIC-reported offices out of Newport, New Hampshire, under certificate 18028, and the 06/30/2026 call report puts its total assets at $424 million on a charter dating to January 1, 1895.
How Sugar River Bank appears on your credit report
Sugar River Bank is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Identify the account precisely, challenge one field at a time, and keep proof of mailing. What changes depends on what Sugar River Bank can verify, and that differs case to case.
Names it may report under
Products that commonly show up
- ◆Personal lines of credit tied to a Sugar River Bank deposit relationship
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in its New Hampshire market
Grounds to dispute a Sugar River Bank entry
Each of these is a reason a Sugar River Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when Sugar River Bank converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open 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
Sugar River 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, Sugar River 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 Sugar River Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Sugar River Bank questions, answered
Is Sugar River Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 18028. That record lists Sugar River Bank as a state-chartered stock savings institution supervised by the FDIC and its state regulator headquartered in Newport, NH, chartered January 1, 1895, with $424 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Sugar River Bank, and where do I escalate if a dispute fails?
As a state-chartered stock savings institution supervised by the FDIC and its state regulator, Sugar River Bank 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 Sugar River Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Sugar River 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 Sugar River Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Sugar River Bank 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 Sugar River Bank and disputing with a collector?
Sugar River Bank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Sugar River Bank reaches the source documents instead.
Does Sugar River Bank report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Sugar River Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Sugar River Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Sugar River Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against 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 Sugar River Bank 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. Send Sugar River Bank a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on Sugar River Bank 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 Sugar River Bank 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 Sugar River 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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