Indigo Card Credit Report Errors

The Kim Law Firm represents consumers whose Indigo credit-card account is being reported inaccurately to the credit bureaus. If Indigo is reporting a balance you already paid, a charge-off with the wrong dates, late payments that were not late, or an account that is not even yours, the Fair Credit Reporting Act gives you the right to force a correction and to recover money for the harm a false tradeline causes. This page explains who Indigo is, how to reach it, and what to do if the account on your credit report is wrong.

Who is Indigo?

The Indigo Mastercard is a subprime credit card marketed to people with bad or limited credit. It is serviced by Concora Credit (formerly Genesis FS Card Services and Genesis Financial Solutions), based in Beaverton, Oregon, and issued through partner banks such as Celtic Bank and TAB Bank. Whichever bank issues and services your Indigo account is the entity that reports it to the credit bureaus each month.

Is Indigo reporting your credit card incorrectly?

Because Indigo reports your account to Equifax, Experian, and TransUnion every month, an error on its tradeline can drag your score down for years. The most common inaccuracies we see on credit-card accounts include:

• A balance you already paid or settled. The account was paid, settled, or discharged in bankruptcy, but Indigo still reports a balance or past-due amount.
• A charge-off with the wrong dates. An incorrect date of first delinquency, or an account re-aged so it stays on your report longer than the seven years the law allows.
• It is not your account (identity theft). Subprime and store cards are common identity-theft targets; a Indigo account you never opened can be a sign of fraud, and you should not have to pay it.
• Late payments that were not late. Payments reported 30, 60, or 90 days late when they were actually made on time.
• Duplicate reporting. The same account reported twice, or reported by both Indigo and a debt collector at the same time.

Each of these is a potential violation of the Fair Credit Reporting Act (FCRA), which can entitle you to have the item corrected or deleted and to recover damages, often at no cost to you.

How to contact Indigo

Indigo is serviced by Concora Credit, based in Beaverton, Oregon (website: indigocard.com). Confirm the exact dispute or payment address and the phone number on your most recent statement before mailing, and send any written dispute by mail so you keep proof.

Indigo and consumer-protection law

Indigo and its sister card Milestone are among the most-complained-about subprime card programs in the Consumer Financial Protection Bureau's public Consumer Complaint Database and at the Better Business Bureau, largely over steep upfront, annual, and monthly fees and over credit-reporting disputes. Source: CFPB Consumer Complaint Database. If an Indigo account on your report is inaccurate or not yours, you have the right to demand a correction.

How to dispute and remove an inaccurate Indigo account

• Dispute the tradeline in writing with each credit bureau (Equifax, Experian, TransUnion) and directly with Indigo under the FCRA, identifying every inaccuracy such as a wrong balance, wrong dates, late marks, or not your account.
• Check the date of first delinquency. If the account was re-aged or is being reported past the seven-year limit, say so specifically.
• If the account resulted from identity theft, create a report at IdentityTheft.gov and submit it with your dispute so the account can be blocked.
• Keep copies of everything. If Indigo or the bureau verifies an item you have shown to be false, that failure to investigate is itself an FCRA claim.

Who we can help and who we can not

We represent consumers whose Indigo account is being reported incorrectly — a balance you already paid, a charge-off reported wrong, late marks that are not accurate, or an account that is not yours because of identity theft or a mixed file. That is the kind of Fair Credit Reporting Act problem we handle. We are not the right firm if you simply want out of a credit-card balance you genuinely owe, or want help negotiating a legitimate debt. Our focus is fixing inaccurate reporting and recovering damages for the harm it causes.

How The Kim Law Firm helps

If you disputed a Indigo account and it was not fixed, or the damage is already done, we can help. Under the FCRA, Indigo and the credit bureaus must genuinely investigate your dispute; when they rubber-stamp an error instead, they can be held accountable for actual damages, statutory damages, and your attorney's fees. The FCRA lets us recover our fees from the company that broke the law, so your case review is free and we work on a no-fee-unless-we-win basis. Start your free case review or call 855-996-6342 today.

Dealing with a different company? See our creditors & lenders resource page, or our pages on Comenity Bank and Synchrony Bank.

The servicer, the issuing bank, and which one reports

An Indigo card involves at least three companies and the cardholder normally deals with only one of them. Concora Credit, based in Beaverton, Oregon and formerly known as Genesis FS Card Services, services the account and sends the correspondence. The card itself is issued through a partner bank, and it is the issuing bank that furnishes the tradeline. That is why a statement from one company, a letter from another and a credit report line naming a third are all describing the same account, and why a dispute sent to whichever name is most familiar can miss the party required to investigate it.

• Milestone — a sister card serviced by the same Oregon company under a different brand.
• Concora Credit — the servicer itself, which renamed from Genesis FS Card Services.
• TAB Bank — an Ogden, Utah bank that issues cards for programs like this one.
• Celtic Bank — another Utah issuer standing behind branded card programs.
• Continental Finance — a comparable program running several card brands through partner banks.

Read the tradeline for the exact furnisher name before writing anything. Dispute with that entity and with every bureau reporting the account, and keep the servicer correspondence as evidence of what you were told. Where the same card appears twice under two of these names, the duplication is itself an inaccuracy, and the furnisher has to reconcile it rather than confirm each line separately.

Frequently asked questions about Indigo

Can I get Indigo removed from my credit report? If the tradeline is inaccurate, such as a wrong balance, wrong dates, late marks that are not accurate, or not your account, you can dispute it with all three bureaus and directly with Indigo under the FCRA. Anything that cannot be verified must be corrected or deleted.

Indigo is reporting a charge-off. Can that be fixed? If the charge-off is inaccurate, such as a wrong amount, wrong dates, already paid or settled, or not your account, yes. Even an accurate charge-off must be reported correctly and must fall off after seven years from the original delinquency.

The account is not mine. If a Indigo account appears because of identity theft or a mixed file, do not pay it; dispute it, and if it is not corrected our attorneys can pursue the bureaus and Indigo under the FCRA.

What does it cost to have my case reviewed? Nothing. The FCRA shifts attorney's fees to the company that broke the law, so we offer a free case review and work on a no-fee-unless-we-win basis.

Indigo Mastercard phone numbers and mailing addresses

Indigo is a card brand, not a bank. The card is issued by Celtic Bank and serviced by Concora Credit Inc., which is why the return address on Indigo mail says Concora rather than Indigo, and why an Indigo account can appear on a credit report under a name you do not recognize. Everything below is published by Indigo on its own site.

Phone numbers Indigo publishes

• Customer service: 800-353-5920, also written 1-800-353-5920, (800) 353-5920 or 8003535920. Indigo lists the hours as 6:00am to 6:00pm Pacific, Monday through Friday.
• Lost or stolen card: 800-314-6340, also written (800) 314-6340 or 8003146340.
• Fraud protection: 800-304-3096, also written (800) 304-3096 or 8003043096.
• Fax: 503-268-4711. The 503 area code is Oregon, which matches the Beaverton correspondence address below.

Where Indigo mails from, and where to write

• Correspondence: Concora Credit, PO Box 4477, Beaverton, OR 97076-4477. This is the box Indigo publishes for written correspondence about an account.
• Payments: Concora Credit, PO Box 96541, Charlotte, NC 28296-0541. Payments and correspondence go to different states, so an envelope addressed to Charlotte will not reach anyone who can act on a dispute letter.

Where an Indigo credit report dispute actually goes

Indigo does not publish a separate credit bureau dispute address. That absence matters more than it looks, because it makes the routing question decisive. Under the Fair Credit Reporting Act, a furnisher's obligation to investigate is triggered when the dispute reaches it from a credit bureau, not when it arrives in the mail from you directly. Writing to the Beaverton box is worth doing — it creates a dated record that the servicer was told the information was wrong — but with no dedicated dispute box published, the credit bureau route is the one that carries the statutory obligation.

Dispute in writing with Equifax, Experian and TransUnion, send a copy to PO Box 4477 in Beaverton so Concora has its own dated record, and keep proof of both mailings.

Why the account may not say Indigo on your credit report

Three separate company names attach to a single Indigo card. Celtic Bank is the issuing bank. Concora Credit Inc., NMLS #1549514, is the servicer, and its name appears on the correspondence and payment addresses. Indigo is the brand printed on the card. A tradeline, a collection notice or a bureau entry may use any of the three, and a consumer looking for "Indigo" on a report frequently cannot find it because the report says something else.

The same servicer also handles the Milestone Mastercard, which is issued by a different bank. Milestone and Indigo share the Beaverton correspondence box, the Charlotte payment box, the fax number, the lost or stolen line and the fraud line. Only the main customer service number and the issuing bank differ. If you hold both cards, or if you are trying to work out which of two similar-looking accounts a letter refers to, that overlap is the reason the identifiers look nearly identical.

Numbers and addresses that are not on this list

Card issuers and their servicers use outbound calling vendors and short-code messaging services, so a legitimate call or text about an Indigo account can come from a number that appears nowhere on Indigo's own site. An unlisted number is not proof of a scam, and a number that matches this list is not proof the caller is genuine — caller ID is trivially spoofed. If you want to be certain, hang up and call the number printed on your statement or listed above.

There is a different problem worth separating out. If an Indigo, Celtic Bank or Concora Credit entry appears on a report when you never applied for the card, the question is not whether a caller is real — it is that an application may have been submitted in your name. A hard inquiry generally stays on a credit report for two years, and the Fair Credit Reporting Act permits a consumer report to be obtained only for a permissible purpose.

To check what you are actually looking at:

• Pull all three reports at AnnualCreditReport.com and search for Celtic Bank and Concora Credit as well as Indigo — the entry often appears under a name other than the one on the card.
• Compare the three reports against each other. An account opened without your authorization frequently appears on one bureau before the others, and that difference is often the whole story.
• Dispute with the credit bureaus in writing, and send a copy to PO Box 4477, Beaverton, OR 97076-4477.
• Keep the dispute letters, the bureau responses and the envelopes. The paper trail is what establishes what the furnisher knew and when.

An account opened in your name without your authorization is an identity theft problem on your credit report, and the Fair Credit Reporting Act provides rights against both the furnisher and the bureaus that continue reporting it after a dispute.

Indigo card contact questions people ask

What phone number does Indigo use?

Indigo publishes 800-353-5920, also written 1-800-353-5920, (800) 353-5920 or 8003535920, for customer service, with hours of 6:00am to 6:00pm Pacific, Monday through Friday. It also publishes 800-314-6340 for a lost or stolen card, 800-304-3096 for fraud protection, and a fax line at 503-268-4711. Because card issuers use outbound calling vendors, a legitimate call about an Indigo account can still come from a number that appears nowhere on this list.

Where do I send an Indigo credit report dispute?

Indigo does not publish a separate credit bureau dispute address. Written correspondence goes to Concora Credit, PO Box 4477, Beaverton, OR 97076-4477, while payments go to a different box entirely at PO Box 96541, Charlotte, NC 28296-0541. Under the Fair Credit Reporting Act a furnisher's duty to investigate is triggered when the dispute reaches it from a credit bureau, not when you mail it directly, so dispute with Equifax, Experian and TransUnion and send a copy to the Beaverton box as a dated record.

Why does my credit report say Concora Credit instead of Indigo?

Three company names attach to one Indigo card. Celtic Bank is the issuing bank, Concora Credit Inc. (NMLS #1549514) is the servicer whose name appears on the mailing addresses, and Indigo is the brand printed on the card. A tradeline or bureau entry may use any of the three, which is why people searching a report for Indigo often cannot find the account.

Are Indigo and Milestone the same company?

They are different card brands issued by different banks, but both are serviced by Concora Credit Inc. Indigo is issued by Celtic Bank and Milestone by The Bank of Missouri. The two brands share the Beaverton correspondence box, the Charlotte payment box, the fax number, the lost or stolen line and the fraud line, so only the main customer service number and the issuing bank differ.

What should I do if an Indigo account is on my credit report and I never applied?

Pull all three reports at AnnualCreditReport.com and search for Celtic Bank and Concora Credit as well as Indigo, because the entry often appears under a name other than the one on the card. Compare the three bureaus against each other, since an unauthorized account frequently shows on one before the others. Dispute in writing with the bureaus, send a copy to PO Box 4477 in Beaverton, and keep the letters and envelopes. An account opened in your name without your authorization is an identity theft problem on your credit report, and the Fair Credit Reporting Act provides rights against both the furnisher and the bureaus that keep reporting it after a dispute.