The Lowell Five Cent Savings Bank on Your Credit Report
In short: Headquartered in Tewksbury, MA, The Lowell Five Cent Savings Bank has operated under FDIC certificate 90227 since its charter was established in 1854. Its 06/30/2026 call report shows $1.9 billion in total assets and 15 FDIC-reported offices. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. As an original creditor it is the furnisher of any tradeline it reports, so under FCRA §623 the accuracy duty sits with The Lowell Five Cent Savings Bank itself rather than with a collection agency. 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 Lowell Five Cent Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 90227 identifies The Lowell Five Cent Savings Bank of Tewksbury, MA, chartered April 12, 1854. As of the 06/30/2026 call report it carried $1.9 billion in total assets and 15 FDIC-reported offices — roughly $127 million per office — as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
How The Lowell Five Cent Savings Bank appears on your credit report
The Lowell Five Cent Savings Bank is a community-scale lender headquartered in Tewksbury, MA, with 15 FDIC-reported offices and $1.9 billion in assets, on a charter 172 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Auto and other secured consumer loans booked at The Lowell Five Cent Savings Bank offices
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a The Lowell Five Cent Savings Bank entry
Each of these is a reason a The Lowell Five Cent Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Loan modified or deferred by The Lowell Five Cent Savings Bank but still reporting the original delinquent status
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆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 Lowell Five Cent 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 Lowell Five Cent 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 Lowell Five Cent 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 Lowell Five Cent Savings Bank questions, answered
Is The Lowell Five Cent Savings Bank FDIC-insured, and what is its certificate number?
Yes. The Lowell Five Cent Savings Bank holds FDIC certificate 90227. The FDIC record shows a charter established April 12, 1854, headquarters in Tewksbury, MA, and 15 FDIC-reported offices with $1.9 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates The Lowell Five Cent Savings Bank, and where do I escalate if a dispute fails?
The Lowell Five Cent Savings Bank is a state-chartered bank that is not a member of the Federal Reserve System, so the FDIC is its primary federal regulator, working alongside the MA state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the MA regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the The Lowell Five Cent Savings Bank charter, and why does that matter for my credit report?
The Lowell Five Cent Savings Bank's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1854 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask The Lowell Five Cent Savings Bank in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is The Lowell Five Cent Savings Bank, and what does that mean for disputing an account?
The Lowell Five Cent Savings Bank reports $1.9 billion across 15 FDIC-reported offices — roughly $127 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a The Lowell Five Cent Savings Bank account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with The Lowell Five Cent Savings Bank as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what The Lowell Five Cent Savings Bank can verify, and results vary from case to case.
Does MA law change anything about a The Lowell Five Cent Savings Bank account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. The Lowell Five Cent Savings Bank being headquartered in Tewksbury, MA does not make MA law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a The Lowell Five Cent Savings Bank account stay on my credit report?
Generally up to seven years from the date of first delinquency on that The Lowell Five Cent Savings Bank account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If The Lowell Five Cent Savings Bank or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does The Lowell Five Cent Savings Bank appear in the CFPB complaint database?
We do not publish a complaint figure for The Lowell Five Cent Savings Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 90227, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with The Lowell Five Cent Savings Bank and disputing with a collection agency?
The Lowell Five Cent Savings Bank is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to The Lowell Five Cent Savings Bank; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Lowell Five Cent 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.
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