If you see “TBOM/CONTFIN” on your credit report, it likely came from a credit card application with Continental Finance. Here’s what that entry means, how it affects your credit score, and what to do if the inquiry wasn’t authorized.
What Is TBOM/CONTFIN?
TBOM/CONTFIN stands for The Bank of Missouri and Continental Finance. Continental Finance issues credit cards for people with less-than-perfect credit, and The Bank of Missouri acts as the issuing bank.
If you applied for one of their credit cards—like the Reflex, Surge, or Verve—you’ll likely see TBOM/CONTFIN listed as a hard inquiry on your credit report.
Why TBOM/CONTFIN Appears on Your Credit Report
Hard inquiries appear when a lender reviews your credit report during a credit application. If you applied for a card through Continental Finance, this hard inquiry from The Bank of Missouri is part of the approval process.
If you didn’t apply for one of their cards, you’ll want to dig deeper to find out why it’s there.
How a TBOM/CONTFIN Inquiry Affects Your Credit Score
Hard inquiries typically lower your credit score by a few points. A single inquiry won’t do major damage, but several in a short time can have a bigger effect and may make lenders think you’re in financial trouble.
Managing the number of inquiries on your credit report can help you avoid unnecessary score drops.
How Long TBOM/CONTFIN Inquiries Stay on Your Credit Report
TBOM/CONTFIN inquiries can stay on your credit report for up to two years. However, their impact on your credit score usually fades within the first 6 to 12 months.
That said, if the inquiry was unauthorized, you don’t have to wait it out—there are ways to remove it.
What to Do If You Don’t Recognize the TBOM/CONTFIN Inquiry
If you don’t recall applying for a credit card with Continental Finance, reach out to The Bank of Missouri to verify the inquiry. If they can’t confirm that you submitted an application, you may be able to remove the inquiry by disputing it with the credit bureaus.
You can also consider placing a fraud alert on your credit file if you suspect identity theft.
Can You Remove TBOM/CONTFIN From Your Credit Report?
Yes—if the inquiry was unauthorized or made in error, you have the right to dispute it. You can contact the credit bureaus directly to request an investigation and removal.
You also have the option to work with a credit repair service. Credit Saint helps clients challenge inaccurate items on their credit reports, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Take Back Control of Your Credit
Credit Saint has helped many people remove inaccurate entries from their credit reports and take meaningful steps toward better credit.
They even offer a 90-day money-back guarantee, so you can get started with confidence.
Visit their website today and see how they can help you clean up your credit report.
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