The Home Loan Savings Bank on Your Credit Report
In short: The Home Loan Savings Bank operates out of Coshocton, Ohio as a state-chartered savings institution supervised by the FDIC and its state regulator. FDIC certificate 29695 traces to January 1, 1882, a nineteenth-century charter that predates every federal credit-reporting statute. Call-report figures for 06/30/2026 list $387 million in assets spread over 5 FDIC-reported offices. The Home Loan 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 The Home Loan Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Home Loan Savings Bank carries FDIC certificate 29695, operates 5 FDIC-reported offices and reported $387 million in assets on its most recent call report in Coshocton, Ohio.
How The Home Loan Savings Bank appears on your credit report
This tradeline is furnished by The Home Loan Savings Bank itself, not purchased from another lender, which means the source documents are held in-house. The Home Loan Savings Bank is Ohio-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 5 Ohio locations
- ◆First-lien residential mortgages and second-lien home-equity credit around Coshocton
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute The Home Loan Savings Bank entry
Each of these is a reason The Home Loan 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 Coshocton posted after the due date and reported 30 days late
- ◆Balance not updated to zero after The Home Loan Savings Bank completed the payoff
- ◆One The Home Loan Savings Bank obligation appearing as two tradelines after a core-system conversion
- ◆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 Home Loan 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, The Home Loan 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 The Home Loan 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.
The Home Loan Savings Bank questions, answered
What is the FDIC certificate number for The Home Loan Savings Bank?
Yes — deposits are FDIC-insured under certificate 29695. The FDIC record lists The Home Loan Savings Bank as a state-chartered savings institution supervised by the FDIC and its state regulator headquartered in Coshocton, OH, chartered January 1, 1882, holding $387 million across 5 offices at the 06/30/2026 call report.
My dispute with The Home Loan Savings Bank failed — who do I complain to?
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 Ohio you banked with The Home Loan Savings Bank.
How many credit-card complaints does the CFPB show against The Home Loan Savings Bank?
We do not publish a figure for The Home Loan Savings 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 Home Loan Savings Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on The Home Loan Savings Bank account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
Should I dispute with The Home Loan Savings Bank directly or with the collection agency?
The distinction matters because of who holds the evidence. The Home Loan Savings 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 Home Loan Savings Bank reaches the records themselves.
Will The Home Loan Savings Bank account show on all three reports?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and The Home Loan Savings Bank, with 5 offices around Coshocton, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
The Home Loan Savings Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. The Home Loan Savings Bank has operated since 1882, 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 Home Loan Savings Bank account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to The Home Loan Savings 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 Home Loan Savings Bank headquartered, and does that affect my dispute?
The home office is in Coshocton, Ohio, 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 Home Loan 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.