What is TBOM/Fortiva?
TBOM/Fortiva is a credit report code that stands for The Bank of Missouri/Fortiva. This code may appear on your credit report if you’ve applied for a Fortiva retail credit account, a Fortiva credit card, or a Fortiva personal loan, all of which are issued by The Bank of Missouri. It’s common to see this entry as either a hard inquiry or even as an account in collections if there has been a default.
Why TBOM/Fortiva May Be on Your Credit Report
TBOM/Fortiva typically appears on your credit report when you’ve applied for credit through Fortiva. However, there are instances where this entry could be the result of an error or unauthorized activity. It’s important to regularly check your credit report to ensure that all entries are accurate and authorized.
How Long TBOM/Fortiva Stays on Your Credit Report
When TBOM/Fortiva appears as a hard inquiry on your credit report, it remains there for up to two years. Hard inquiries from TBOM/Fortiva are recorded by one or all three major credit reporting agencies: Equifax, Experian, and TransUnion. Over time, the impact of these inquiries on your credit score will lessen, but they can still pose challenges if you’re trying to improve your credit quickly.
Addressing Unauthorized TBOM/Fortiva Inquiries
If you notice a TBOM/Fortiva inquiry on your credit report that you don’t recognize, it’s essential to act quickly. Begin by contacting The Bank of Missouri to verify the legitimacy of the inquiry. If the inquiry is indeed unauthorized, you should file a dispute with the credit bureaus to have it removed. Unauthorized inquiries can be a sign of identity theft or clerical errors, both of which can harm your credit score.
Removing TBOM/Fortiva from Your Credit Report
To remove TBOM/Fortiva entries, start by reviewing your credit report from Equifax, Experian, and TransUnion. If you find an entry you don’t recognize, contact The Bank of Missouri to verify its legitimacy. If the entry is unauthorized or incorrect, file a dispute with the credit bureaus, providing any supporting documentation.
If you need assistance, consider using a professional credit repair service like Credit Saint to help with the dispute process. They specialize in removing inquiries and other in accurate negative marks from your credit report. In addition to removing inquiries, they can help you dispute (and possibly remove) the following items:
- late payments
- collections
- charge offs
- foreclosures
- repossessions
- bankruptcies
Take Action to Remove Inquiries and Improve Your Credit
If TBOM/Fortiva or other negative marks are dragging down your credit score, taking immediate action is key. A complimentary credit consultation with Credit Saint may be the solution. They have a proven track record of helping individuals facing similar credit challenges. To explore how they can support you in enhancing your credit, visit their website and complete the inquiry form.
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