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TBOM/Fortiva: What Is It And How To Remove It From My Credit Report?

Written by Mike Pearson
Updated August 9, 2022

It’s always nerve-racking when an unknown charge or activity appears on your credit report. If you recently saw activity related to TBOM/Fortiva on your credit report, there are a few possible reasons that this article will explore.

Some appearances of TBOM/Fortiva are innocuous, while others can be detrimental to your credit and finances.

What Is TBOM/Fortiva?

TBOM stands for The Bank of Missouri. Fortiva is a financial company that offers credit accounts and cards to individuals struggling with poor credit.

A TBOM/Fortiva credit report means The Bank of Missouri, in association with Fortiva financial company, had some activity related to your identity.

About the Bank of Missouri

You may wonder why The Bank of Missouri would have anything to do with you, since you don’t live in Missouri, but this bank has many financial partners. 

Below is a list of some of the financial companies that partner with The Bank of Missouri, but it’s not a comprehensive list.

TBOM Partnered Companies:

  • Continental Finance
  • Fortiva
  • Genesis Financial Solutions
  • Home Credit US
  • Ollo Card Services
  • SoFi
  • Tidewater Finance Company
  • Curae
  • Koalafi

If you have any of the following cards or accounts, it is likely the reason TBOM/Fortiva appeared on your credit report. 

Cards and Accounts Associated With TBOM:

  • First Access Visa Card
  • TOTAL Visa Credit Card
  • FIT Mastercard
  • Ollo Rewards Mastercard
  • Ollo Platinum Mastercard
  • Verve Mastercard
  • Cerulean Mastercard
  • Fortiva Credit Card
  • Sprint Credit Card
  • Milestone Gold Mastercard
  • Helzberg Diamonds Private Account
  • Visa Platinum Card
  • Visa College Real Rewards Card
  • Visa Secured Card
  • Visa Real Rewards Card
  • Cash Rewards American Express Card
  • Premier Rewards American Express Card

Reasons TBOM/Fortiva Is on Your Credit Report

So why did TBOM/Fortiva appear on your credit report? This section looks at the three main reasons people see TBOM/Fortiva on a credit report.


The number one reason you see TBOM/Fortiva on your credit report is that there was an inquiry into your credit. Credit inquiries can be performed by banks, lenders, landlords, and any creditors or potential creditors.

If you see TBOM/Fortiva pop up on your credit report, it is likely because you either applied to something or a bank performed a soft inquiry to offer you a credit card.

Many assume their credit scores and reports are confidential, and while they are to some degree, you may be surprised by the number of businesses that can access this information at will.

When you receive those “special offers” from credit card companies or get messages saying “you’re pre-approved,” this is usually because the credit company knows you have a decent credit and financial history.

Hard Inquiries vs. Soft Inquiries

There are two types of inquiries into your credit: hard and soft. Soft credit pulls are typically for small things, like a credit card company that wants to offer you a promotional deal. Soft inquiries do not affect your credit score.

However, hard inquiries can lower your credit score. Hard inquiries are less common and usually mean you’re preparing to take out a loan or open a new line of credit. 

If you recently applied for something or received a credit card offer, this is likely the reason TBOM/Fortiva appeared on your credit report.

Hard inquiries typically lower your credit score temporarily because until you receive the new line of credit, loan, or service, there is suspicion surrounding the inquiry.

Why are you opening a new line of credit? Did you max out your other cards? Are you going to max out these cards? The uncertainty surrounding a hard pull lowers your credit. Although it may seem confusing and unfair, it’s unavoidable.

Luckily, if you have a rich and decent credit history, this drop in points is only temporary and nothing to worry about. If you have a short credit history or bad credit past, this hard pull can have a more prominent effect.

Having several hard pulls on your credit suggests financial troubles or irresponsibility, leading to a lower credit score.

Below are actions that constitute a soft or hard credit inquiry.

Hard Inquiries:
  • Credit cards
  • Auto loans
  • Mortgages
  • Insurance policies
  • Mobile phones
  • Utility services
Soft Inquiries:
  • Self credit check
  • Check from the current creditor
  • Soft-pull pre-approval with a creditor
  • Check for pre-approval offers

If you performed any of these actions or suspect a creditor or company did, the appearance of TBOM/Fortiva on your credit report is nothing to worry about! It’s just normal credit report activity.

Fortiva Credit Account

The second reason TBOM/Fortiva appeared on your credit report is that:

  • You have a Fortiva account
  • You used to have a Fortiva account
  • You’re an authorized user on someone else’s Fortiva account

Even if you closed your Fortiva/TBOM account, it can remain on your credit report for up to ten years, depending on the account’s standing. No activity related to the account necessarily has to occur for it to show up on your credit report, as any type of credit account history can appear.

If you had a Fortiva credit account or card and you never paid it off, it will continue to appear and lower your score or keep it from getting much higher.

On the other hand, if you had a Fortiva account for years and always paid your balance on time, having Fortiva on your credit report is a good thing!

In the end, the presence of TBOM/Fortive on your credit card due to an old account should not have a significant impact. But if you have an active account, your score will be adjusted based on your account use, payments, and other activity.

The same applies to people who are authorized users on a Fortiva account. Authorized users are similar to co-signers, basically helping someone open or maintain an account who may have bad credit or no credit. The primary account user could be your spouse, child, parent, friend, or business partner. 

An authorized user, even if they never use the account, will be affected by the account activity. If the primary cardholder misses payments or racks up debt, this will lower the authorized users’ credit.

And on the other side, if the primary cardholder is financially responsible, it can boost their credit score.

Identity Theft

While the two reasons above are generally harmless, this last one is alarming. If you know you did not apply for anything related to TBOM, have not received credit offers, and never had any accounts associated with TBOM, you may be a victim of identity theft.

Someone may have gained enough of your personal information to apply for something posing as you, causing an inquiry into your score.

Worse than that scenario, they have already successfully opened a credit account under your identity, meaning your credit and possibly money could be affected.

If you believe you’re a victim of identity theft, don’t hesitate to contact the bank or Fortiva to remedy the situation and ideally fix your credit. Fortiva should provide you with all the information surrounding the inquiry or account, such as when it was made, where it was made, and more. 

After you contact Fortiva, log the fraud on with the Federal Trade Commission (FTC) by visiting It’s also wise to freeze your credit cards and accounts if you can.

Lastly, you should have a fraud alert placed on your credit, so if they try to do anything else it will be flagged, and creditors looking into the score will be aware that it’s related to possible fraud.

This fraud alert will not affect your credit, but it will relay to potential creditors that they should take extra steps to confirm the identity of the person using this credit.

To set a fraud alert, contact a credit bureau. You can alert Equifax, Experian, or TransUnion and they will set a universal fraud alert on your credit that you and any creditors can see.

How TBOM/Fortiva Affects Your Credit

A TBOM/Fortiva credit report is usually not a big deal and won’t affect your credit much. 

As mentioned, if a hard pull occurs, the score will drop slightly. And any effects associated with Fortiva accounts or cards will depend on the account’s standing and payment history. In cases of fraud, you can expect the criminal is not going to improve your credit score.

Removing TBOM/Fortiva From Your Credit Report

Many people want the TBOM/Fortiva credit report removed, either because they believe it’s fraudulent or they believe it hurts their credit score. 

Not everyone can have this removed from their credit report, but for some people it is possible. Keep reading to learn if you’re eligible to have it removed and how to start the process. 

Can It Be Done?

TBOM/Fortiva can only be removed from your credit report in instances of fraud and identity theft. 

If you had a Fortiva account once upon a time and simply don’t want it on your credit report anymore, there is nothing you can do. Same with hard inquiries from TBOM/Fortiva.

If you applied for something and TBOM performed a hard inquiry, the inquiry is now part of your credit history. 

Once again, you can only remove TBOM/Fortiva from your credit report if it appeared due to fraud. 

How To Do It

If you believe you are a victim of fraud and took the steps above to secure your finances, you also have a chance to have TBOM/Fortiva removed from your credit report. 

There are two ways to do this. You can write a dispute letter, or you can hire a credit repair company. 

Dispute Letter

Writing a dispute letter is the more independent, hands-on option. Credit dispute letters are generally easy to write, as you need your personal information, credit information, and details of the activity you wish to dispute. 

The dispute letter can be sent to a credit bureau and Fortiva, requesting an investigation into the matter by both parties. 

Once they receive the dispute letter, they will be mandated to investigate the activity and respond to your dispute within 30 to 45 days.

Credit Repair Company

Credit repair companies exist to help you solve credit issues or rebuild bad credit. They can handle communications between Fortiva, TBOM, the credit bureaus, and you, making the process easier. 

Essentially, they will write the dispute letter on your behalf and launch their investigation.

Credit repair companies help you navigate this process and take on some leg work. They’ll assist in organizing evidence and communicating with the correct entities.

However, they cannot help you remove the TBOM/Fortiva activity if it’s accurate but negative. They also won’t do anything you can’t do on your own. They provide some expertise, but for a price.

If you think you have a handle on the situation, you can save some money by navigating this process without a credit repair company.

Bottom Line

Seeing TBOM/Fortiva on your credit report could be insignificant, or it could mean you need to act quickly to protect your identity. 

Monitor your credit reports and banking activity, as this can help you remedy identity theft issues sooner, and be aware of what activity affects your credit.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.