The Harvard State Bank on Your Credit Report
In short: The Harvard State Bank operates out of Harvard, Illinois as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. FDIC certificate 9079 traces to August 1, 1866, a nineteenth-century charter that predates every federal credit-reporting statute. The 06/30/2026 call report puts The Harvard State Bank at $331 million in assets across 5 FDIC-reported offices. The Harvard State 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 The Harvard State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Harvard State Bank carries FDIC certificate 9079, operates 5 FDIC-reported offices and reported $331 million in assets on its most recent call report in Harvard, Illinois.
How The Harvard State Bank appears on your credit report
This tradeline is furnished by The Harvard State Bank itself, not purchased from another lender, which means the source documents are held in-house. With an Illinois charter and 5 FDIC-reported offices, The Harvard State Bank adjudicates these disputes internally. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and personal installment credit written at its 5 Illinois offices
- ◆Home-equity lines and residential mortgages originated near Harvard
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute The Harvard State Bank entry
Each of these is a reason The Harvard State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Harvard office on time but posted to the next cycle
- ◆Paid-in-full The Harvard State Bank loan continuing to report an outstanding balance
- ◆Single The Harvard State Bank 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
The Harvard State 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 Harvard State 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 Harvard State 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 Harvard State Bank questions, answered
What is the FDIC certificate number for The Harvard State Bank?
Certificate 9079 is the FDIC record for The Harvard State Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Harvard, IL, with a charter dating to August 1, 1866; the 06/30/2026 call report shows $331 million in assets and 5 offices.
Which regulator oversees The Harvard State Bank?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Illinois you banked with The Harvard State Bank.
How many credit-card complaints does the CFPB show against The Harvard State Bank?
We do not publish a figure for The Harvard State Bank. 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 The Harvard State Bank charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch The Harvard State Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with The Harvard State Bank directly or with the collection agency?
The distinction matters because of who holds the evidence. The Harvard State Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with The Harvard State Bank reaches the records themselves.
Will The Harvard State Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so The Harvard State Bank — 5 offices in Illinois — 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.
Why does one The Harvard State Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. The Harvard State Bank has operated since 1866, 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 The Harvard State Bank account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to The Harvard State Bank 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 The Harvard State Bank headquartered, and does that affect my dispute?
The home office is in Harvard, Illinois, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
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 Harvard State 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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