Union Federal Savings and Loan Association on Your Credit Report
In short: Headquartered in Kewanee, Illinois, Union Federal Savings and Loan Association is a state-chartered savings bank supervised by the FDIC and its state regulator. The charter behind FDIC certificate 27767 dates to January 1, 1890 — a nineteenth-century charter that predates every federal credit-reporting statute. At the 06/30/2026 reporting date the bank showed $146 million in total assets and 6 FDIC-reported offices. As the originating lender, Union Federal Savings and Loan Association is the furnisher of record, which puts both the §623 direct dispute and the §611 bureau dispute on the table. 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 Union Federal Savings and Loan Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Union Federal Savings and Loan Association carries FDIC certificate 27767, operates 6 FDIC-reported offices and reported $146 million in assets on its most recent call report in Kewanee, Illinois.
How Union Federal Savings and Loan Association appears on your credit report
Because Union Federal Savings and Loan Association originated the account, it furnishes the tradeline directly and holds the original file. Chartered in Illinois and operating 6 FDIC-reported offices, Union Federal Savings and Loan Association handles disputes against its own records. Write rather than call, specify the exact field in error, and pair it with a §611 dispute through the bureaus. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at its 6 Illinois banking offices
- ◆Purchase-money mortgages and home-equity draws written in the Kewanee area
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a Union Federal Savings and Loan Association entry
Each of these is a reason a Union Federal Savings and Loan Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Kewanee posted after the due date and reported 30 days late
- ◆Account still showing a balance after Union Federal Savings and Loan Association processed the final payment
- ◆One Union Federal Savings and Loan Association obligation appearing as two tradelines 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
Union Federal Savings and Loan Association 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, Union Federal Savings and Loan Association 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 Union Federal Savings and Loan Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Union Federal Savings and Loan Association questions, answered
Does the FDIC insure deposits at Union Federal Savings and Loan Association?
It is insured, and certificate 27767 is the number to quote. The FDIC lists a state-chartered savings bank supervised by the FDIC and its state regulator, headquartered Kewanee, IL, chartered January 1, 1890, reporting $146 million and 6 offices as of 06/30/2026.
Who regulates Union Federal Savings and Loan Association, and where do I escalate if a dispute fails?
Union Federal Savings and Loan Association 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 Union Federal Savings and Loan Association head office in Kewanee is the right address for the written record.
What is the CFPB complaint count for Union Federal Savings and Loan Association?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Union Federal Savings and Loan Association, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
When does a Union Federal Savings and Loan Association charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying Union Federal Savings and Loan Association 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 Union Federal Savings and Loan Association and disputing with a collector?
Go to whoever holds the documents. Union Federal Savings and Loan Association has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Union Federal Savings and Loan Association tends to produce a substantive answer rather than a rubber-stamp verification.
Does Union Federal Savings and Loan Association furnish to Equifax, Experian and TransUnion?
There is no legal requirement to furnish to every bureau, and Union Federal Savings and Loan Association, operating 6 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Union Federal Savings and Loan Association.
I see duplicate Union Federal Savings and Loan Association tradelines — is that allowed?
That pattern is typically a merger or conversion leftover rather than two real debts. Union Federal Savings and Loan Association dates to 1890 and predecessor-name reporting is permitted, but a single obligation double-counted inflates your utilisation and is disputable. Identify both tradelines explicitly in the dispute.
Do I need to hire someone to dispute a Union Federal Savings and Loan Association entry?
No payment is required. Writing to the bureaus under §611 or to Union Federal Savings and Loan Association 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.
Which state regulator shares oversight of Union Federal Savings and Loan Association?
Union Federal Savings and Loan Association is headquartered in Kewanee, Illinois, with 6 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 Union Federal Savings and Loan Association; 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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