Wallkill Valley Federal Savings and Loan Association on Your Credit Report
In short: Wallkill Valley Federal Savings and Loan Association is a state-chartered savings bank, headquartered in Wallkill, New York. The FDIC lists it under certificate 28870, established January 1, 1913. As a pre-Federal-Reserve charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. As of the 06/30/2026 call report, Wallkill Valley Federal Savings and Loan Association held $485 million in assets and operated 9 FDIC-reported offices. Lending from its own balance sheet makes Wallkill Valley Federal Savings and Loan Association 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 Wallkill Valley Federal Savings and Loan Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Wallkill Valley Federal Savings and Loan Association appears in the FDIC's institution directory as certificate 28870, a pre-Federal-Reserve charter established January 1, 1913 in Wallkill, New York, now reporting $485 million in assets over 9 offices on its 06/30/2026 call report.
How Wallkill Valley Federal Savings and Loan Association appears on your credit report
Wallkill Valley Federal Savings and Loan Association furnishes its own tradelines as the original creditor, which matters for how you write. At $485 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. 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. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 New York offices
- ◆Home-equity and mortgage lending secured by New York property
- ◆Small-business and consumer accounts carried on the Wallkill Valley Federal Savings and Loan Association balance sheet
Grounds to dispute a Wallkill Valley Federal Savings and Loan Association entry
Each of these is a reason a Wallkill Valley 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.
- ◆Mortgage payoff recorded by the title company but not updated by Wallkill Valley Federal Savings and Loan Association
- ◆Paid-in-full installment loan still showing a Wallkill Valley Federal Savings and Loan Association charge-off status
- ◆Duplicate Wallkill Valley Federal Savings and Loan Association tradeline created when the account migrated between core systems
- ◆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
Wallkill Valley 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, Wallkill Valley 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 Wallkill Valley 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.
Wallkill Valley Federal Savings and Loan Association questions, answered
Is Wallkill Valley Federal Savings and Loan Association FDIC-insured, and what is its certificate number?
Wallkill Valley Federal Savings and Loan Association is FDIC-insured under certificate number 28870. Per the FDIC, the charter dates to January 1, 1913, the head office is in Wallkill, NY, and the 06/30/2026 call report shows $485 million in total assets over 9 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates Wallkill Valley Federal Savings and Loan Association, and where do I escalate if a dispute fails?
Supervision of Wallkill Valley Federal Savings and Loan Association sits with the FDIC and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against Wallkill Valley Federal Savings and Loan Association?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Wallkill Valley Federal Savings and Loan Association 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 a Wallkill Valley Federal Savings and Loan Association 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 Wallkill Valley Federal Savings and Loan Association, 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 Wallkill Valley Federal Savings and Loan Association and disputing with a collector?
Wallkill Valley Federal Savings and Loan Association is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Wallkill Valley Federal Savings and Loan Association reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Wallkill Valley Federal Savings and Loan Association report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community 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 Wallkill Valley Federal Savings and Loan Association tradeline as a genuine dispute target.
Wallkill Valley Federal Savings and Loan Association was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Wallkill Valley Federal Savings and Loan Association migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect.
Can I dispute Wallkill Valley Federal Savings and Loan Association reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Wallkill Valley Federal Savings and Loan Association naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Wallkill Valley Federal Savings and Loan Association reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With Wallkill Valley Federal Savings and Loan Association, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Wallkill Valley 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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