The Port Washington State Bank on Your Credit Report
In short: From its Port Washington, Wisconsin headquarters, The Port Washington State Bank operates as a state-chartered commercial bank that is not a member of the Federal Reserve System. Its FDIC record is certificate 8698, with a charter date of September 11, 1899. The nineteenth-century charter date matters here only because 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. Its 06/30/2026 call report shows $1.01 billion in total assets across 8 reported offices. Lending from its own balance sheet makes The Port Washington State Bank the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. 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 Port Washington State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Port Washington State Bank operates under FDIC certificate 8698 from Port Washington, Wisconsin, where its charter has run since September 11, 1899; the 06/30/2026 call report shows $1.01 billion in total assets and 8 FDIC-reported offices.
How The Port Washington State Bank appears on your credit report
Treat The Port Washington State Bank as an original creditor rather than a collection agency — the dispute route is different. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆First-lien mortgages and home-equity lines on Wisconsin property
- ◆Consumer accounts originated across its 8 Wisconsin offices
Grounds to dispute a The Port Washington State Bank entry
Each of these is a reason a The Port Washington State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Wisconsin mortgage paid at closing but still showing a balance with The Port Washington State Bank
- ◆Account settled with The Port Washington State Bank still reporting the original charged-off balance
- ◆State-chartered account duplicated 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 Port Washington 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 Port Washington 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 Port Washington 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 Port Washington State Bank questions, answered
Is The Port Washington State Bank FDIC-insured, and what is its certificate number?
The Port Washington State Bank is FDIC-insured under certificate number 8698. Per the FDIC, the charter dates to September 11, 1899, the head office is in Port Washington, WI, and the 06/30/2026 call report shows $1.01 billion in total assets over 8 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates The Port Washington State Bank, and where do I escalate if a dispute fails?
The Port Washington State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against The Port Washington State Bank?
We do not carry a complaint count for The Port Washington State Bank. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 8-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a Port Washington State Bank charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For The Port Washington State Bank, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with The Port Washington State Bank and disputing with a collector?
The records sit in different places. The Port Washington State Bank originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with The Port Washington State Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does The Port Washington State Bank report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a mid-size regional institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Port Washington State Bank tradeline as a genuine dispute target.
The Port Washington State Bank was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted The Port Washington State Bank account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, 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. Identify both versions by last four digits and open date when you dispute.
Can I dispute The Port Washington State Bank reporting myself, without paying anyone?
Entirely. Nothing about disputing The Port Washington State Bank reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on The Port Washington State Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, 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. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Port Washington 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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