“TBOM” on a credit report — TBOM/RETAIL, TBOM/ATLS, TBOM/CONTFIN — confuses people because they never applied for a card from any company by that name. TBOM is The Bank of Missouri, and in the bank’s own words: “We work with other companies and retailers to provide credit for customers. Even though some cards may have a different brand name, TBOM is the issuer and provides credit reporting on the account.” The card in your wallet carries a partner’s brand; the entry on your report carries the bank’s.
One of those partner programs is lease-to-own: an entry reading TBOM/ACIMA is the bank side of an Acima lease, and what Acima puts on a credit report explains what the lease itself can and cannot do to your file.
Which card a TBOM entry is
The suffix after the slash points to the program behind the card. TBOM/ATLS entries trace to Fortiva-branded accounts — our Fortiva credit report page covers those. TBOM/CONTFIN entries trace to Continental Finance card programs — covered on our Continental Finance page. TBOM/RETAIL covers retail card programs issued through the bank. If you cannot match the entry to any card you hold, that mismatch is the first thing to write down.
The errors to look for
Partner-issued cards pass through an issuer, a program manager, and a servicer — and every handoff is a chance for error. Look for: an account you never opened; a card you closed still reporting as open; a balance you paid still showing as owed; late payments you did not make; and the same account reported under more than one name in a way that double-counts the debt. If the account is one you never had, start with our account that is not yours page; if you paid it and it still shows, our paid off but still reporting page covers that exact problem.
How to dispute a TBOM entry
With the credit bureaus. The bank’s own credit report help page directs consumers here: to dispute information TBOM reported, file a dispute with the credit bureau where you saw it. Dispute in writing with each bureau showing the entry; the bureau generally has thirty days to investigate, and the furnisher must investigate what is forwarded to it. Keep copies and proof of mailing.
With the bank. The Bank of Missouri publishes a consumer help line — 888-547-6541 — and directs cardholders to the phone number and mailing address listed with the entry on the report itself.
When the dispute fails
If the entry comes back “verified” and it is still wrong — not yours, the wrong balance, the wrong status — the Fair Credit Reporting Act gives you a claim against the furnisher, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our directory of furnishers and debt collectors lists the companies that report and the names they report under, and if a dispute has already failed, our FCRA lawsuit page sets out what comes next.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against banks, card issuers, and the credit bureaus. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with The Bank of Missouri, and this page is not a complaint about that company. It describes how account entries can appear on credit reports and the rights consumers have when an entry is wrong.