12 Credit One Bank NA


Is 12 Credit One Bank NA hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is 12 Credit One Bank NA?

’12 Credit One Bank NA’ refers to Credit One Bank, National Association, a financial institution based in the United States that specializes in credit card services. The bank, headquartered in Las Vegas, Nevada, is known for providing a range of credit card products, often catering to individuals looking to establish or rebuild their credit.

The ’12’ in ’12 Credit One Bank NA’ could potentially refer to a specific department or code used by the bank for internal purposes, or it might relate to a particular account or debt classification. It could also simply be an error or formatting issue from the reporting source.

If you see ’12 Credit One Bank NA’ listed on your credit report under collections, it means that there is an outstanding debt associated with a Credit One Bank credit card that you have not paid. This debt could stem from missed credit card payments, late fees, or other charges associated with the account.

How can I remove 12 Credit One Bank NA from my credit report?

Credit One collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Credit One Bank, N.A. Contact Information


Credit One Bank, N.A.
6801 S Cimarron Rd
Las Vegas, NV 89113

Mailing address:

Credit One Bank
P.O. Box 98873
Las Vegas, NV 89193-8873

Phone number: (877) 825-3242

Should I contact or pay Credit One Bank?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Credit One Bank collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit One on behalf of their clients.

Will Credit One Bank sue me or garnish my wages?

Credit One Bank, like any lender, has the legal right to take necessary steps to recover the money owed to them. This can potentially include suing the debtor in a court of law or garnishing wages. However, these measures are generally seen as a last resort, after other debt collection attempts have failed.

Credit One Bank Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with 12 Credit One Bank NA

Debt collectors and credit card issuers must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Credit One Bank to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Credit One Bank cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit One Bank must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Credit One Bank cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove 12 Credit One Bank NA From Your Credit Report Today!

Credit Saint can help you dispute 12 Credit One Bank NA accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.