If P.O. Box 98873 in Las Vegas, Nevada is on a letter you are holding, or you are working out where to send a dispute, this is Credit One Bank’s general correspondence box — and it is also the address the bank’s cardholder agreements give for telling it that what it reported about you to a credit bureau is wrong. It is not the payment address, and it is not the billing dispute address, which sits one digit away.
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What this box is actually for
Credit One Bank’s own help pages list P.O. Box 98873, Las Vegas, NV 89193-8873 under General Correspondence. The bank’s cardholder agreements go further and name the same box for credit reporting: “If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. Box 98873, Las Vegas, NV 89193-8873.”
The same box, addressed ATTN: Deposits, also takes correspondence about Credit One deposit accounts. So one box carries three different kinds of mail, and the letter has to say which it is.
The other Credit One boxes, and the one digit that matters
| P.O. Box 98873, Las Vegas, NV 89193-8873 | General correspondence, credit reporting disputes, and deposit correspondence |
| P.O. Box 98872, Las Vegas, NV 89193-8872 | Bank Card Center — billing errors and billing rights inquiries |
| P.O. Box 95516, Las Vegas, NV 89193-5516 | General correspondence and arbitration notices in the earlier agreement version |
| P.O. Box 98850, Las Vegas, NV 89193-8850 | Requests to revoke authorization to contact you |
| P.O. Box 60500, City of Industry, CA 91716-0500 | Payments — a lockbox in California, not in Nevada |
98873 and 98872 differ by one digit and do different jobs. That is the trap on this address, and it is not a small one. A letter to 98872 is a billing error notice under the Truth in Lending Act — about a charge on your statement, on a 60-day clock. A letter to 98873 is a credit reporting dispute under the Fair Credit Reporting Act — about what the bank told Equifax, Experian and TransUnion. They have different deadlines, different duties and different remedies, and a dispute sent to the wrong one gets worked as the wrong kind of dispute.
Write the words “credit reporting dispute” in the first line of the letter, and check the digit before you seal the envelope.
Payments do not go to Las Vegas
Credit One directs card payments to Credit One Bank Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500. That is a lockbox — a check-processing operation. Envelopes are opened, checks deposited, contents imaged. Nothing in that workflow reads an objection and routes it to whoever handles disputes.
People send carefully documented disputes to payment lockboxes, certified with return receipt, and end up holding proof that they wrote to the wrong place. If the letter you received prints its own return address, use the one on the letter and keep a copy of it.
Who Credit One is, and what shows on your report
Credit One Bank, N.A. is a Las Vegas-based national bank that issues its own Visa and Mastercard credit cards. It is not Capital One, and the two are unconnected — a confusion the similar name produces often enough to be worth stating.
Because Credit One issues the cards itself, it is the furnisher: it reports the account to the credit bureaus directly, and it is the party with the duty to investigate when a dispute reaches it through a bureau. The tradeline usually carries the Credit One name or an abbreviation of it, so unlike a serviced account it is generally findable on your report under the name you expect.
What to put in the letter
Say what is wrong, in what respect, and what the correct position is. Name the account, the tradeline as it appears on the report, the specific entry and the date. Attach what proves it: the statement, the payment confirmation, the closing letter, the identity theft report, the bankruptcy discharge.
Include your full name with any middle initial or suffix, your date of birth, your current address and your addresses for the past two years. Mismatches on those fields are one of the ordinary reasons an account belonging to somebody else is attached to your file. Send it certified with return receipt, and keep a copy of what you sent along with the receipt.
Dispute with the bureaus as well — this is the step that matters
Writing to Box 98873 puts the bank on notice. On its own, it does not start the clock that counts.
Under the Fair Credit Reporting Act, a furnisher’s duty to investigate arises when a consumer reporting agency forwards it a dispute you filed with that agency. The duty is set out at 15 U.S.C. § 1681s-2(b). A letter posted only to the bank does not trigger it.
Do both. Write to 98873, and separately file the dispute with Equifax, Experian and TransUnion — each report the error appears on. Keep every response.
How long it takes
A consumer reporting agency generally has 30 days to investigate, extending to 45 days if you send further information while the investigation is running. The furnisher’s investigation runs alongside it. If the entry comes back verified as accurate and you know it is not, that response is not the end of the matter — it is often the document a claim turns on, because it shows the bank was told and left the entry standing.
When a Credit One entry becomes a claim
The Fair Credit Reporting Act does not impose liability merely for being wrong. What creates a claim is what happens after the bank is told. If you disputed the entry through a credit bureau, the investigation was not reasonable, the inaccurate information stayed on your report, and something followed from it — a denial, a higher rate, a lost apartment, a withdrawn job offer — that is the shape of a case.
Four documents carry most of the weight: the report showing the entry, your dispute, the response you received, and the adverse action notice from whoever turned you down. Keep them together.
We handle errors on the nationwide credit bureaus, covered on our credit report errors page, and errors in employment and tenant screening, covered under background check errors. For the statute and how claims under it work, see our FCRA lawyer page. Where an account is reported twice or merged with somebody else’s, see mixed credit report. There are similar pages on PO Box 182789 in Columbus, Ohio and PO Box 3220 in Buffalo, New York.
Send us the letter
Reviewing a Credit One letter, a dispute response or a credit report entry costs nothing, and you pay nothing unless we win. If you are holding something from Box 98873 and are not sure what it means, send it over and we will tell you whether there is a claim in it.