The Andover Bank on Your Credit Report
In short: Based in Andover, Ohio, The Andover Bank is a state-chartered commercial bank that is a member of the Federal Reserve System. The FDIC lists it under certificate 10663, established November 1, 1884. That makes it a nineteenth-century charter, so its reporting history predates most of the systems that now carry it. As of the 06/30/2026 call report, The Andover Bank held $595 million in assets and operated 10 FDIC-reported offices. The Andover Bank books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the bureaus. 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 The Andover Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Andover Bank appears in the FDIC's institution directory as certificate 10663, a nineteenth-century charter established November 1, 1884 in Andover, Ohio, now reporting $595 million in assets over 10 offices on its 06/30/2026 call report.
How The Andover Bank appears on your credit report
The Andover Bank is an original creditor, not a collector, and that changes the mechanics. A 10-office community bank rarely has a dedicated disputes department, so precision in your letter does more work than volume. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and consumer installment credit written in-branch
- ◆Mortgage and home-equity credit originated in the Ohio market
- ◆Overdraft lines and deposit-linked credit tied to The Andover Bank checking accounts
Grounds to dispute a The Andover Bank entry
Each of these is a reason a The Andover Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Ohio mortgage paid at closing but still showing a balance with The Andover Bank
- ◆Charge-off reported by The Andover Bank after the account was settled in full
- ◆The same Andover 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
The Andover 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, The Andover 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 The Andover Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Andover Bank questions, answered
Is The Andover Bank FDIC-insured, and what is its certificate number?
The Andover Bank is FDIC-insured under certificate number 10663. Per the FDIC, the charter dates to November 1, 1884, the head office is in Andover, OH, and the 06/30/2026 call report shows $595 million in total assets over 10 FDIC-reported offices. Oversight runs through the Federal Reserve and its state banking regulator.
Who regulates The Andover Bank, and where do I escalate if a dispute fails?
Supervision of The Andover Bank sits with the Federal Reserve and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against The Andover Bank?
We do not publish a figure for The Andover Bank. A 10-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Andover Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can an Andover Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Andover Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. An Andover 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 The Andover Bank and disputing with a collector?
The Andover Bank is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to The Andover Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does The Andover Bank report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding The Andover Bank has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
The Andover Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When The Andover 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, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten.
Can I dispute The Andover Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send The Andover Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on The Andover 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 The Andover Bank, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. 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 The Andover 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.