How to Remove TBOM/Fortiva From Your Credit Report

If you’ve noticed “TBOM/Fortiva” on your credit report, you’re probably wondering what it means—and whether it’s something to be concerned about.

TBOM/Fortiva refers to The Bank of Missouri, which issues credit cards, personal loans, and retail credit accounts through Fortiva. This code can show up on your credit report as a hard inquiry or as an account—sometimes even a collection—if things have gone unpaid.

Why TBOM/Fortiva Shows Up on Your Credit Report

Here’s why you might see TBOM/Fortiva on your credit report:

• Hard inquiry – You applied for a Fortiva credit card, retail financing, or a personal loan.
• Open account – You were approved and the account is active.
• Collection entry – You missed payments or defaulted, and the account was sent to collections.

If you didn’t apply for credit with Fortiva, the entry could be a mistake—or worse, unauthorized activity.

How Long TBOM/Fortiva Stays on Your Credit Report

Hard inquiries from TBOM/Fortiva can stay on your credit report for up to two years, even though their impact fades over time. These inquiries are typically recorded by Equifax, Experian, or TransUnion—or all three.

While one inquiry doesn’t do much damage, several in a short period can lower your credit score and make lenders hesitant to approve new credit.

How to Handle Unauthorized TBOM/Fortiva Inquiries

If you don’t recognize a TBOM/Fortiva inquiry, act fast. It could be the result of a data entry error or identity theft.

Take these steps:

1. Contact The Bank of Missouri to ask about the inquiry.
2. Request documentation verifying your application.
3. Dispute the item with each credit bureau that shows it.
4. Monitor your credit for any other unusual activity.

Unauthorized inquiries don’t just hurt your score—they can signal bigger problems. Don’t wait to take action.

Steps to Remove TBOM/Fortiva From Your Credit Report

Start by reviewing your credit reports from all three major credit bureaus. If you see an unfamiliar or incorrect TBOM/Fortiva entry:

• Contact The Bank of Missouri to confirm whether the account or inquiry is valid.
• If it isn’t, file a dispute with Equifax, Experian, and TransUnion.
• Be ready to provide documentation that supports your claim.

If the process feels overwhelming—or you’re dealing with more than just one item—you may want help from a professional.

Let Credit Saint Help You Clean Up Your Credit

Credit Saint is one of the top-rated credit repair companies in the U.S., and they’ve helped thousands of people remove inaccurate entries like TBOM/Fortiva. They can also help with:

• late payments
• collections
• charge-offs
• repossessions
• foreclosures
• bankruptcies

They even offer a 90-day money-back guarantee to give you peace of mind while you work on rebuilding your credit.

Ready to take back control of your credit? Visit their website and find out how they can help you move forward.