The Hometown Savings Bank on Your Credit Report
In short: The Hometown Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator, operating from Terre Haute, Indiana. FDIC records place the charter's origin at December 1, 1869 and assign it certificate 17736. The 06/30/2026 call report lists $456 million in assets across 8 FDIC-reported offices. Because Hometown Savings Bank originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 Hometown Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Hometown Savings Bank carries FDIC certificate 17736, operates 8 FDIC-reported offices and reported $456 million in assets on its most recent call report in Terre Haute, Indiana.
How The Hometown Savings Bank appears on your credit report
The Hometown Savings Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With an Indiana charter and 8 FDIC-reported offices, Hometown Savings Bank adjudicates these disputes internally. 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 signature loans booked through Hometown Savings Bank branch staff in Indiana
- ◆First-lien residential mortgages and refinances written around Terre Haute
- ◆Small-business and agricultural credit carried on the Hometown Savings Bank balance sheet
Grounds to dispute The Hometown Savings Bank entry
Each of these is a reason The Hometown Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with Hometown Savings Bank not reflected in the monthly status
- ◆The Hometown Savings Bank account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Hometown Savings Bank without the underlying itemization on file
- ◆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 Hometown 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 Hometown 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 Hometown 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 Hometown Savings Bank questions, answered
Does the FDIC insure deposits at The Hometown Savings Bank?
Yes — The Hometown Savings Bank appears in FDIC BankFind under certificate 17736. The record shows a state-chartered savings institution supervised by the FDIC and its state regulator based in Terre Haute, IN, with a charter dated December 1, 1869, $456 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises The Hometown Savings Bank if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Hometown Savings Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Hometown Savings Bank head office in Terre Haute, Indiana.
How many credit-card complaints does the CFPB show against The Hometown Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Hometown Savings 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 Hometown Savings Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Hometown Savings Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with The Hometown Savings Bank and disputing with a collector?
Go to whoever holds the documents. The Hometown Savings Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Hometown Savings Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does The Hometown Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Hometown Savings Bank — 8 offices in Indiana — 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.
I see duplicate The Hometown Savings Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Hometown Savings Bank has operated since 1869, 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 Hometown Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Hometown Savings Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is The Hometown Savings Bank headquartered, and does that affect my dispute?
The Hometown Savings Bank is headquartered in Terre Haute, Indiana, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Hometown 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.