UniBank for Savings on Your Credit Report
In short: UniBank for Savings traces its charter to 1870 and appears in the FDIC's records under certificate 90290, a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator with its headquarters in Whitinsville, MA. The most recent call report, dated 06/30/2026, puts it at $3.1 billion in total assets across 15 FDIC-reported offices. Where UniBank for Savings reports an account it does so as the original creditor and furnisher, so FCRA §623 — not the FDCPA validation rules that apply to collectors — is the governing accuracy standard. 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 UniBank for Savings actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Chartered June 3, 1870 and insured under FDIC certificate 90290, UniBank for Savings reported $3.1 billion in total assets and 15 FDIC-reported offices on its 06/30/2026 call report. That is about $207 million per reported office across its MA footprint.
How UniBank for Savings appears on your credit report
UniBank for Savings is a community-scale lender headquartered in Whitinsville, MA, with 15 FDIC-reported offices and $3.1 billion in assets, on a charter 156 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
- ◆Deposit accounts charged off to a negative balance
- ◆Auto and other secured consumer loans booked at UniBank for Savings offices
- ◆Overdraft lines of credit attached to a UniBank for Savings checking account
Grounds to dispute a UniBank for Savings entry
Each of these is a reason a UniBank for Savings tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account transferred between UniBank for Savings systems after a core conversion and duplicated
- ◆Payment posted at a UniBank for Savings office in Whitinsville but reported late because of a processing-date mismatch
- ◆Overdrawn deposit account charged off and reported without the itemisation required before collection
- ◆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
UniBank for Savings 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, UniBank for Savings 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 UniBank for Savings a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
UniBank for Savings questions, answered
Is UniBank for Savings FDIC-insured, and what is its certificate number?
Yes. UniBank for Savings holds FDIC certificate 90290. The FDIC record shows a charter established June 3, 1870, headquarters in Whitinsville, MA, and 15 FDIC-reported offices with $3.1 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 UniBank for Savings, and where do I escalate if a dispute fails?
UniBank for Savings 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 UniBank for Savings charter, and why does that matter for my credit report?
UniBank for Savings's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1870 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 UniBank for Savings 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 UniBank for Savings, and what does that mean for disputing an account?
UniBank for Savings reports $3.1 billion across 15 FDIC-reported offices — roughly $207 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 UniBank for Savings 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 UniBank for Savings 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 UniBank for Savings can verify, and results vary from case to case.
Does MA law change anything about a UniBank for Savings 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. UniBank for Savings being headquartered in Whitinsville, 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 UniBank for Savings account stay on my credit report?
Generally up to seven years from the date of first delinquency on that UniBank for Savings 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 UniBank for Savings 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 UniBank for Savings appear in the CFPB complaint database?
We do not publish a complaint figure for UniBank for Savings. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 90290, 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 UniBank for Savings and disputing with a collection agency?
UniBank for Savings 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 UniBank for Savings; 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 UniBank for Savings; 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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