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.

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be 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. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Credit One Bank may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Credit One Bank must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Credit One Bank cannot threaten to have you arrested or imprisoned over unpaid debts.

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

Credit Saint can assist you in disputing 12 Credit One Bank NA accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (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.