The Village Bank on Your Credit Report
In short: The Village Bank is a state-chartered savings institution supervised by the FDIC and its state regulator, operating from Newton, Massachusetts. FDIC records place the charter's origin at May 1, 1910 and assign it certificate 26336. The 06/30/2026 call report lists $2.07 billion in assets across 12 FDIC-reported offices. Because Village 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 Village Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Village Bank is recorded by the FDIC under certificate 26336 as a state-chartered savings institution supervised by the FDIC and its state regulator, with 12 offices in Massachusetts and $2.07 billion in assets at the 06/30/2026 call report.
How The Village Bank appears on your credit report
The Village Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Village Bank, and file the §611 dispute in parallel. The Village Bank reviews these internally from Newton, Massachusetts. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by Village Bank in Massachusetts
- ◆Home-improvement and second-lien lending booked near Newton
- ◆Commercial and owner-occupied real-estate credit held by Village Bank
Grounds to dispute The Village Bank entry
Each of these is a reason The Village Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with Village Bank failed and the missed cycle reported before notice reached you
- ◆Paid-in-full Village Bank loan still showing a balance after the payoff cleared
- ◆The Village Bank tradeline reporting a credit limit that was never approved in writing
- ◆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 Village 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 Village 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 Village 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 Village Bank questions, answered
Does the FDIC insure deposits at The Village Bank?
Yes — The Village Bank appears in FDIC BankFind under certificate 26336. The record shows a state-chartered savings institution supervised by the FDIC and its state regulator based in Newton, MA, with a charter dated May 1, 1910, $2.07 billion in assets and 12 offices at the 06/30/2026 call report.
Who supervises The Village Bank if a dispute goes nowhere?
The Village Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Village Bank head office in Newton is the right address for the written record.
How many credit-card complaints does the CFPB show against The Village Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Village 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 Village Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Village Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with The Village Bank and disputing with a collector?
Go to whoever holds the documents. The Village Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Village Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does The Village Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Village Bank — 12 offices in Massachusetts — 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 Village Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Village Bank has operated since 1910, 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 Village Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Village 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 Village Bank headquartered, and does that affect my dispute?
The Village Bank is headquartered in Newton, Massachusetts, with 12 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 Village 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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