What does BANK OF LAS VEGAS mean on my credit report?

Is BANK OF LAS VEGAS making an impact on your credit score?

Updated January 1, 2023
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What is BANK OF LAS VEGAS?

BANK OF LAS VEGAS is shorthand for Western Alliance Bancorporation, with the company name being Western Alliance Bancorporation

Just recently, Western Allied Corporation has introduced a block chain based payment option for its customers, coming soon. It is fast, flexible and very secured. Its team are experienced bankers passionate about servicing local businesses.

BANK OF LAS VEGAS is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Western Alliance Bancorporation.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Secured

How do I contact them?

Here is the current contact details for Western Alliance Bancorporation:

Address:

  • 1 East Washington Street
    Phoenix, AZ 85004
    (602) 389-3500

Website:

Email:

Phone:

Payments

thanks. Western Alliance Bank Business Online Banking and Mobile Banking allow small business owners to make payments, view balances, stop payments, and transfer funds between accounts. Additional features are available with Enhanced Service.To get a payment refund, contact the customer support team directly at 888-995-2265, Monday - Friday: 6:00 am – 6:00 pm; Saturday: 8:00 am – 2:00 pm. Report unethical or illegal behavior through the companywide whistleblower program, administered by EthicsPoint.Western Alliance Bank provides various online payment services such as Automated Clearing House (ACH) Credit Origination, Wire Transfer, Commercial Credit Cards, Payroll Cards, Online Bill Pay and Account Payable Automation.there are no other payment options such as using a check or money order.you cannot make a payment using a mobile app on this website.there are no penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? No
Can I make a payment using a prepaid debit card? No
Can I make a payment using a wire transfer? No

Forgiveness and Cancellation

The website does not offer loan forgiveness or consolidation. It is unclear how to qualify for loan forgiveness.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

you can apply for a loan online, over the phone, or in person. You may also be able to apply for a loan using a mobile app. In some cases, you may need a cosigner.

Question Answer
Can I apply for a loan online? No
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? No
Can I apply for a loan with a cosigner? No

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

BANK OF LAS VEGAS IdentityIQ Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

How do I remove BANK OF LAS VEGAS from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.