How to Remove MABT CONTFIN From Your Credit Report

MABT CONTFIN is a credit report code that combines two names most people aren’t familiar with. MABT stands for Mid America Bank and Trust, and CONTFIN stands for Continental Finance.

Continental Finance is a credit card company that specializes in cards for people with low or damaged credit scores, and Mid America Bank and Trust is the issuing bank behind several of their products.

If you’ve applied for a Reflex Mastercard, a Fit Mastercard, or a Surge Mastercard, there’s a good chance MABT CONTFIN is what showed up on your credit report as a result.

What Is MABT CONTFIN on Your Credit Report?

MABT CONTFIN is the combined credit bureau code for Mid America Bank and Trust and Continental Finance. Continental Finance markets and manages credit cards aimed at borrowers who are rebuilding their credit score, while Mid America Bank and Trust serves as the issuing bank that actually extends the credit.

Cards that commonly generate a MABT CONTFIN hard inquiry include:

• Reflex Mastercard
• Fit Mastercard
• Surge Mastercard

When you apply for any of these cards, Mid America Bank and Trust runs a credit check that shows up on your credit report under the MABT CONTFIN code.

Why MABT CONTFIN Appears on Your Credit Report

This entry is almost always tied to a credit card application through Continental Finance. Here’s how it typically comes up:

• Online application: Continental Finance cards are primarily marketed and applied for online, often through targeted offers sent to people with below-average credit scores.
• Pre-screened offer response: If you received a pre-screened offer for one of their cards and responded, that response counts as a formal application and generates a hard inquiry.
• Unauthorized application: If someone used your personal information to apply for a Continental Finance card without your knowledge, the hard inquiry still appears on your credit report.

How MABT CONTFIN Affects Your Credit Score

A single hard inquiry from Mid America Bank and Trust causes a small dip in your credit score, typically just a few points. For borrowers already working to rebuild their credit score, even a minor dip can feel significant. That’s worth keeping in mind if you’re actively trying to improve your credit score and are considering applying for multiple products at once.

The effect on your credit score fades after about 12 months and becomes negligible before the entry drops off your credit report entirely.

How Long MABT CONTFIN Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, record and display the entry during that window. Once the two-year period ends, it drops off automatically with no action required.

What to Do If You Don’t Recognize the MABT CONTFIN Entry

If MABT CONTFIN is on your credit report and you don’t remember applying for a Continental Finance card, here’s what to do:

• Contact Continental Finance directly: Ask them to confirm which card was applied for, when the inquiry was pulled, and whether an account was opened as a result. They can tell you whether the application was tied to your personal information.
• Dispute with the credit bureaus: If Continental Finance cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Monitor your credit reports: Check all three credit bureaus for any other unfamiliar entries, since unauthorized activity rarely appears in just one place.

Continental Finance Contact Information

If you need to reach Continental Finance to ask about a MABT CONTFIN inquiry, here is their contact information:

Phone: (800) 518-6142

Mailing Address: Continental Finance, P.O. Box 8099, Newark, DE 19714

Bottom Line

MABT CONTFIN on your credit report is a hard inquiry from Mid America Bank and Trust, placed when someone applied for a credit card through Continental Finance. If you applied for a Reflex, Fit, or Surge Mastercard, this entry is expected and will age off your credit report after two years.

If you don’t recognize it, contact Continental Finance to find out what triggered it and dispute the entry with the credit bureaus if you can’t verify it was authorized. An unfamiliar inquiry from a subprime card issuer is always worth tracking down, particularly if you’re actively working to improve your credit score.