How to Remove TBOM/Fortiva From Your Credit Report

TBOM/Fortiva on your credit report points to The Bank of Missouri, the issuing bank behind the Fortiva brand of credit products. Fortiva is serviced by Atlanticus Services Corporation and offers more than just a credit card.

The product line includes retail financing through partner merchants and personal loans, which means this entry can show up on your credit report for more than one reason.

What Is TBOM/Fortiva on Your Credit Report?

TBOM/Fortiva identifies a credit product issued by The Bank of Missouri through the Fortiva program. Atlanticus Services Corporation manages and services Fortiva’s product line, which includes:

• Fortiva Mastercard: An unsecured credit card for people with limited or damaged credit that earns cash back rewards on gas, groceries, and utilities.
• Fortiva Retail Credit: Financing offered through retail partner locations for specific purchases.
• Fortiva Personal Loan: A personal loan product also issued by The Bank of Missouri through the Fortiva program.

The TBOM/Fortiva code can appear on your credit report as a hard inquiry from a new application, as an active account tradeline, or as a negative entry if the account went delinquent.

Why TBOM/Fortiva Appears on Your Credit Report

Knowing which type of entry you’re looking at is the most important first step, since the implications and next steps are different for each:

• Hard inquiry: You submitted an application for a Fortiva credit card, retail financing, or personal loan, and The Bank of Missouri ran a credit check as part of the approval process.
• Open or closed account: If you were approved and opened an account, Fortiva reports your account activity monthly to all three major credit bureaus. A well-managed account can help your credit score over time.
• Negative entry: If you missed payments or defaulted, those negative marks appear on your credit report and can significantly lower your credit score. Late payments remain on your credit report for seven years from the date of the first missed payment.
• Unauthorized entry: If you don’t recognize the entry at all, someone may have used your personal information to apply for a Fortiva product without your knowledge.

How TBOM/Fortiva Affects Your Credit Score

A hard inquiry causes a minor, temporary dip in your credit score. An active account in good standing, with on-time payments and a low balance relative to your credit limit, can gradually improve your credit score over time. Negative entries like late payments or a charge-off are far more damaging and can remain on your credit report for years.

If you have a Fortiva account, keeping payments on time and your balance low is the most effective way to let the account work in your favor.

How Long TBOM/Fortiva Stays on Your Credit Report

The timeline depends on the type of entry:

• Hard inquiries: Remain on your credit report for two years from the date they were pulled.
• Open accounts: Stay on your credit report as long as they’re active and for up to 10 years after closing in good standing.
• Negative entries like late payments: Remain on your credit report for seven years from the date of the first missed payment.

What to Do If You Don’t Recognize the TBOM/Fortiva Entry

An unfamiliar TBOM/Fortiva entry deserves prompt attention regardless of whether it’s an inquiry or an account. Here’s how to handle it:

• Contact Fortiva directly: Ask them to explain the entry, identify which product it’s connected to, and confirm whether it’s tied to your personal information.
• Dispute inaccurate information with the credit bureaus: If the entry is wrong or unauthorized, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of what’s incorrect.
• Place a fraud alert or credit freeze: If you suspect identity theft, a fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

Fortiva Contact Information

If you need to reach Fortiva to ask about a TBOM/Fortiva entry, here is their contact information:

Phone: (800) 245-7741

Mailing Address: Fortiva, P.O. Box 105555, Atlanta, GA 30348

Bottom Line

TBOM/Fortiva on your credit report is The Bank of Missouri reporting activity related to a Fortiva credit card, retail financing, or personal loan. It can show up as a hard inquiry, an active account, or a negative mark depending on the history of the account.

If you recognize what triggered it, focus on whether the information is accurate and whether the account is being managed well. If you don’t recognize it, contact Fortiva right away and dispute the entry with the credit bureaus if you can’t verify it was authorized.