What does BANK OZK mean on my credit report?

Learn about BANK OZK, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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What is BANK OZK?

BANK OZK is shorthand for Bank OZK, with the company name being Bank OZK

The origins of Bank Ozakbank can be traced back to 2003 when it was founded as a small community bank in Jasper, Arkansas. Since then, the bank has grown to $26 billion in assets, with more than 2,800 employees and over 240 branches across 8 countries.

BANK OZK 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 Bank OZK.

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

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

About the account

  • ⚫ The average account balance is $146600.

  • ⚫ The average high credit balance is $148000.

  • ⚫ The typical loan duration is 240 months.

  • ⚫ The average monthly repayment is $1000.

The account is classified under the following METRO2 categories:

  • ⚫ Real estate

How do I contact them?

Here is the current contact details for Bank OZK:


  • P.O. Box 8811
    Little Rock, AR 72231





you can make a payment to Bank OZK online, using doxo with credit card, debit card, Apple Pay or bank account, or by phone at 800-274-4482. You can also access your bill by visiting Bank OZK. you cannot make payments over the phone. you cannot make payments online. there are no payment options such as using a check or money order. you cannot make a payment using a mobile app. you cannot make a payment using a prepaid debit card because you do not have access to the site.

Question Answer
Can I make payments over the phone? No
Can I make payments online? No
Can I make a payment using a mobile app? No
Can I make a payment using a prepaid debit card? No

Forgiveness and Cancellation

They offer loan forgiveness and consolidation. To qualify for loan forgiveness, you must make 120 payments.

Question Answer
Do they offer loan forgiveness? 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

IdentityIQ Report Example

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

BANK OZK 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 OZK 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.