Mission Lane on Your Credit Report: Who Issues the Card and How to Fix Errors

You applied for a card after a pre-approval offer arrived in the mail, the limit was modest, and the approval came through when other issuers had said no. Now Mission Lane is on your credit report — or a bank you have never heard of is there instead, and the only thing you recognize is the amount. Mission Lane is not a bank. It services the account, a Utah bank issues the card, and the company has now applied for a charter of its own, which means the name on your tradeline may not stay the same. This page explains what furnishes, what should appear, and what to do when what appears is inaccurate. We represent consumers only.

Who is Mission Lane, and why is it on your credit report?

Mission Lane LLC is a consumer credit company headquartered in Richmond, Virginia, in the Scott's Addition district. It markets and services credit card accounts aimed at people rebuilding credit or building it for the first time. In Arizona it operates under the trade name Mission Lane Card Services LLC.

The single most important fact about the company, and the one that explains most of the confusion on credit reports, is that Mission Lane is not a bank. It does not hold a charter and it does not issue the card in its own name. The Mission Lane Visa is issued by Transportation Alliance Bank, Inc., doing business as TAB Bank, member FDIC, of Ogden, Utah, pursuant to a license from Visa U.S.A. Inc.

For consumers, correspondence goes to Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348, and customer service is 855-790-8860. Servicemembers seeking Military Lending Act disclosures use 844-885-2921. The cardholder agreement directs credit reporting disputes to the Credit Reporting department at the Atlanta post office box, and billing error notices to the same address.

Write that Atlanta address down. A dispute sent to a general customer service line is not the same as one routed to the credit reporting function, and — as the dispute section below explains — a letter to the company is not a substitute for a dispute filed with the credit bureaus, which is the step that actually creates rights you can enforce.

TAB Bank is the issuer: decoding the name on your tradeline

When a servicer and an issuing bank split the work of a credit card, the name that lands on a credit report is not always the name on the card in your wallet. Depending on how the account is furnished and how a particular bureau displays it, the tradeline may read Mission Lane, or it may read some form of TAB Bank or Transportation Alliance Bank.

Neither is automatically wrong. TAB Bank is a Utah industrial bank in Ogden that partners with technology-driven consumer brands, and the Mission Lane Visa is one of its programs. If you see an unfamiliar Utah bank on your report alongside a balance and a credit limit that match your Mission Lane card, you have very likely found the same account under its issuer's name rather than a fraudulent one. Our TAB Bank page covers that side of the relationship.

The error to look for is the same account reported twice — once by the servicer name and once by the bank name, each with its own balance. One account should produce one tradeline. Duplicate reporting of a single obligation inflates the total debt an underwriter sees and can also multiply the apparent number of delinquencies, which is worse than the balance itself.

Compare the open date, the credit limit, the high balance and the account number fragment across every entry that could be the same card. If two lines share those fields, treat them as one account reported twice and dispute the duplicate specifically, naming both entries and the fields that make them identical.

The bank charter application, and what a furnisher change can do to your file

On April 21, 2026, Mission Lane applied to the Office of the Comptroller of the Currency and to the FDIC for a national bank charter, under the proposed name Mission Lane Bank. Reporting on the application described a bank that would provide credit card operations but would not accept deposits or make commercial loans. The application was pending as of the coverage; a charter application is not an approval, and nothing here should be read as one.

Why put a pending regulatory filing on a credit reporting page? Because if it is approved, the furnisher of record changes. An account issued today by TAB Bank and serviced by Mission Lane would, in that scenario, sit with a bank named Mission Lane. The tradeline name on your report would change, and a change of furnisher is one of the reliable generators of credit reporting errors.

Three specific things go wrong when accounts move between furnishers, and every one of them is worth checking if your tradeline name changes. Duplicate tradelines, where the old furnisher keeps reporting a balance it no longer holds while the new one reports the same debt. A reset opening date, where the account is reported as newly opened on the transfer date, destroying the length of credit history you built. And a reset date of first delinquency, which is the error that keeps negative information on a file past its lawful expiry.

The practical instruction is simple. If the name on this tradeline changes and you did not open a new account, do not assume fraud, but do compare the new entry against the old one field by field — open date, credit limit, high balance, payment history, and the date of first delinquency if there is one. The old account should close out at a zero balance with a transferred status. Anything else is worth a dispute.

Mission Lane and LendUp: corporate history, not a shared record

Search the company and you will find that the credit card business was spun out of LendUp as a stand-alone company, an arrangement announced around the turn of 2018 into 2019 and covered at the time by PR Newswire and American Banker. That is accurate corporate history, and it is why some older articles discuss the two names together.

Here is the boundary, and it matters more than the history does. Mission Lane is a separate company. Regulatory actions taken against LendUp after the separation are LendUp's, not Mission Lane's. Citing another company's enforcement record in a dispute over your tradeline does not strengthen the dispute; it gives the furnisher an easy reason to treat your letter as unserious, and it can undermine your credibility later if the matter becomes a case.

We have not located a company-specific FCRA enforcement action against Mission Lane, and we will not manufacture one to fill space on a page. That absence is not a statement that your particular tradeline is accurate. Enforcement history and the accuracy of one consumer's file are different questions, and the second one is decided by documents, not by headlines.

Which is the general rule for every page on this site. What wins an FCRA claim is a specific field on a specific tradeline shown to be wrong, and a properly routed dispute that failed to fix it. Everything else is background.

What Mission Lane furnishes, and how often

The cardholder agreement states that the company may report information about you and your account to credit reporting agencies, and it does so on the ordinary industry cycle — typically once a month, after the statement closes. Late payments, missed payments and defaults are reported and will appear on your credit report.

What that monthly file contains is standardized: the balance as of the reporting date, the credit limit, the account status, the scheduled payment, the actual payment, and a payment history profile showing whether each month was current or how far behind it ran. Because the snapshot is taken at statement close rather than at the moment you pay, a card paid in full a few days after the statement date can still report a balance. That is a timing artifact, not an error, and disputing it accomplishes nothing.

The entries that are worth disputing are different in kind. A payment reported late that you made on time, provable by a bank statement or a confirmation. A credit limit reported lower than it is, or omitted entirely, which distorts utilization and can cost real points. A balance that does not fall after a payoff or a settlement. A closed account still reporting as open with a balance. And a charge-off reported after the debt was sold, where the original tradeline should show zero and a transferred status.

Utilization deserves a particular note on a card like this one, because starting limits in the credit-building market are often small. On a card with a modest limit, an ordinary purchase can push reported utilization high, and an understated credit limit makes it look higher still. If the limit on your report does not match your statement, that is a real inaccuracy with a measurable cost, and it is one of the easiest disputes to prove.

What the FCRA requires once you dispute a Mission Lane tradeline

Two provisions carry the weight, and they bind different companies. Routing matters more than wording.

15 U.S.C. 1681i binds the credit reporting agency. Once you dispute, it must reinvestigate free of charge, ordinarily within thirty days and up to forty-five where you provide additional information during the period, must forward all relevant information you supplied to the furnisher, and must delete or modify anything it cannot verify.

15 U.S.C. 1681s-2(b) binds the furnisher. Once the bureau notifies it, the furnisher must investigate, review the information the bureau forwarded, report its results back, and correct or delete inaccurate, incomplete or unverifiable information with every nationwide bureau it reported to. The investigation must be reasonable in substance. Confirming that a computer record matches the computer record is not an investigation of whether the record is right.

Where a servicer and an issuing bank both touch an account, the duty runs to whoever furnished the data. If two tradelines exist for the same card, each furnisher owes its own independent investigation, and neither discharges its duty by pointing at the other. Name both entries in the dispute so the bureau forwards it to both.

One procedural trap ends claims before they begin. Section 1681s-2(a), the duty to furnish accurate information in the first place, is not privately enforceable by consumers. Only a dispute routed through a credit reporting agency triggers the duty you can sue on — which is why a letter to the Atlanta address alone, however well written, does not preserve your rights. Where a violation is negligent, section 1681o allows actual damages plus attorney's fees; where it is willful, section 1681n allows statutory damages of $100 to $1,000 per violation and punitive damages.

Is the Mission Lane account on your report actually yours?

Sort your situation before you write to anyone. The right remedy depends on which part of the entry is wrong, and the wrong remedy wastes a dispute you may need later.

• It is yours, and it is reported correctly. You opened the card, the limit and balance match your statement, and the payment history is accurate. No lawyer can lawfully remove it, and it will age off on its own schedule. Read every field anyway — accurate accounts still carry wrong credit limits more often than people expect.
• It is yours, but a field is wrong. A payment marked late that you made on time, an understated or missing credit limit, a balance that never dropped after a payoff or settlement, a closed account still reported open, or a charged-off balance still showing after the debt was sold. These are the errors this page exists for, and your statements prove them.
• It is yours, but it appears twice. The servicer name and the issuing bank name both reporting the same card, or an old entry and a post-transfer entry both carrying a balance. One account, one tradeline.
• It is not yours at all. An account opened in your name from a stolen identity, or a stranger's file merged into yours because you share a name or a partial Social Security number. For fraud, see our identity theft credit report page and the four-business-day block under section 1681c-2; for a merged file, see mixed credit file cases.

Identity theft has a faster route than an ordinary dispute. Under 15 U.S.C. 1681c-2, a credit reporting agency must block information you identify as resulting from identity theft within four business days of receiving your identification, a copy of an identity theft report and a statement that the information is not yours. An IdentityTheft.gov report satisfies the report requirement. Four business days is dramatically faster than thirty, and most consumers never learn the provision exists.

Disputing a Mission Lane entry, step by step

Pull all three reports at AnnualCreditReport.com. Do not work from a single bureau or from a score app. A servicer-and-bank arrangement is exactly the kind of account that appears differently across the three files, and the difference between them is often the evidence.

Then assemble the documents before writing anything: your monthly statements, proof of the payments in question, any payoff or settlement letter, and the cardholder agreement if you have it. A dispute supported by a statement is a different animal from a dispute supported by an assertion.

State the defect precisely. The account is wrong gives a furnisher nothing to examine. The tradeline reports a credit limit of $300; the statement dated March 2025 shows a credit limit of $1,000; the reported limit is understated by $700 and distorts utilization leaves no room to shrug. Name the field, state the correct value, attach the page that proves it.

Send the dispute in writing to every credit reporting agency showing the error. That is the step that triggers section 1681i and, through it, the furnisher's section 1681s-2(b) duty. You may also write to the Credit Reporting department at the Atlanta address, and it is often sensible to do both — but the bureau dispute is the one that creates enforceable obligations. Our credit dispute letter guide sets out the structure.

Mail certified with return receipt and keep a complete copy of everything you send. Proof of what a bureau received and when is frequently worth more in litigation than the prose inside the envelope. If a bureau verifies the item and it is still wrong, get advice rather than sending the same letter again — repeated identical disputes can be treated as frivolous and stop generating obligations.

How The Kim Law Firm handles Mission Lane reporting problems

We represent consumers nationwide and act only for the consumer. The Mission Lane matters that become cases involve reporting that is demonstrably wrong: a payment reported late that was made on time, a credit limit understated or missing so that utilization is overstated, one card reported twice under the servicer name and the issuer name, a balance that survived a payoff or a settlement, a charged-off balance still reported after the debt was sold, an account opened in your name by someone else, or a stranger's account merged into your file.

Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.

We do not help remove accurate negative information. If the card is yours and the late payments happened, no lawyer can lawfully make them disappear, and we will tell you that on the first call rather than after you have paid for a consultation. That is deliberate. The consumers we can actually help are the ones whose reports say something untrue.

Where the reporting is inaccurate and a properly routed dispute left the error in place, you may be entitled to actual damages — credit denied, a higher interest rate, a lost apartment or job, and the emotional harm courts have long recognized in FCRA cases — together with attorney's fees and costs. Because the statute shifts fees when a consumer prevails, we work on contingency: no fee unless we win.

Our FCRA lawyer guide explains how a case unfolds, and the credit reporting errors overview covers the patterns we see most. Other banks and lenders we handle appear on our creditors and lenders page. When you are ready, contact us for a free review.

Pre-approved offers and the inquiry they leave

The pattern is familiar: an offer arrives by mail saying you are pre-approved, the limit is modest, and the approval comes through after other issuers declined. What follows on the credit report is less familiar. A pre-approved mailing generally rests on a soft prescreen, but completing the application usually produces a hard inquiry, and the account that opens may report under an issuing bank rather than the brand that sent the letter. People who accepted one offer sometimes find inquiries and tradelines they cannot connect to anything they remember doing.

• Continental Finance — running several card brands through issuing banks the same way.
• Concora Credit — a servicer whose brands report under partner bank names.
• Credit One Bank — a Nevada issuer heavily reliant on pre-approval mailings.
• OpenSky — a secured alternative for the same consumers, issued by a Maryland bank.
• Fortiva — another program whose credit report name is a bank abbreviation.

Read the inquiry section alongside the accounts. An inquiry you never authorized is a permissible purpose question, not merely a scoring annoyance, and repeated hard inquiries from one application are worth challenging. If the tradeline names a bank rather than the brand, confirm the match by open date and limit before disputing, and direct the dispute to the furnisher the report actually names.

Mission Lane phone numbers and mailing addresses

Mission Lane is unusual among card companies in one specific way: it does not publish a customer service phone number. Its contact page tells cardholders to call the number on the back of the card, and nothing else. That single fact explains most of the confusion about which Mission Lane numbers are real, and it is where this page starts.

What Mission Lane publishes, and what it does not

On its own contact page, Mission Lane gives no phone number at all. The instruction is to call the number printed on the back of your card, Monday through Friday from 9:00 a.m. to 8:00 p.m. Eastern. There is no published dispute line, no published fraud line and no published general customer service line.

That matters because it means any Mission Lane phone number you find elsewhere — on a directory site, in a forum, in a search result — is not a number Mission Lane itself has confirmed. It may well be genuine. It is simply not verifiable from the company's own material, and this page will not assert otherwise.

A number widely reported by consumers, not published by the company

One number is searched for far more often than any other in connection with Mission Lane: 855-790-8860, also written (855) 790-8860 or 8557908860. People search all three formats, which is what you would expect from consumers reading a number off a caller ID or a voicemail and typing it in to find out who called.

We are listing it here as consumer-reported and unconfirmed. Search volume on a phone number is evidence that people are receiving calls from it. It is not evidence that the number belongs to the company those callers say they are calling about. Because Mission Lane publishes no number of its own, there is nothing to check 855-790-8860 against, and treating it as confirmed would be stating something we cannot verify.

The practical guidance follows from that. If you receive a call from this number, or any number, do not give account information to the caller. Hang up and call the number printed on the back of your card. That is the same advice Mission Lane gives, and it is the only routing that is verifiable.

Where Mission Lane mails from

• Payments: Mission Lane LLC, PO Box 71084, Charlotte, NC 28272-1084.
• Correspondence: Mission Lane LLC, PO Box 105286, Atlanta, GA 30348-5286.

Payments go to North Carolina and correspondence goes to Georgia. A dispute letter mailed to the Charlotte box lands in a payment processing operation, not with anyone who can act on it. Mission Lane does not publish a separate credit bureau dispute address or a separate credit reporting address.

Two lockbox coincidences worth naming

Both Mission Lane boxes share a city and ZIP with a box belonging to an unrelated company, and both coincidences generate the same worry.

Mission Lane's payment box is PO Box 71084 in Charlotte, NC 28272. Concora Credit, which services other card brands entirely, publishes PO Box 96541 in Charlotte, NC 28296. Mission Lane's correspondence box is PO Box 105286 in Atlanta, GA 30348. Fortiva publishes PO Box 105555 in the same Atlanta ZIP code.

Neither overlap means anything. Payment lockboxes and mail processing facilities serve many companies at once, so unrelated issuers routinely share a city, a ZIP code and even a building. It is not evidence the companies are connected, and it is not evidence that a letter from either one is fake. Use the box printed on your own statement.

Which bank actually issued your Mission Lane card

Mission Lane discloses that the Mission Lane Visa Credit Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC, or WebBank, under license from Visa. Two possible issuers, named in the alternative, for the same product.

The consequence on a credit report is direct. Two people holding what looks like the same card can have accounts at two different banks, and the tradeline may report under the bank's name rather than the Mission Lane brand. If you are searching a report for Mission Lane and cannot find the account, search for Transportation Alliance Bank, TAB Bank and WebBank as well. The cardholder agreement names the actual issuer, and the back of the card generally does too.

Where a Mission Lane credit report dispute actually goes

With no dispute address published, the routing rule is decisive rather than optional. 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.

Dispute in writing with Equifax, Experian and TransUnion. Send a copy to Mission Lane LLC, PO Box 105286, Atlanta, GA 30348-5286 so the company has its own dated record, and keep proof of both mailings. A direct letter is worth sending — it establishes what Mission Lane was told and when — but on its own it does not start the investigation the statute requires.

When Mission Lane reports to the credit bureaus

Furnishers generally report on a monthly cycle tied to the account's statement date rather than a fixed calendar day, so the date varies by account. The balance the bureaus see is normally the balance as of statement close, which means paying the card down after the statement cuts will not change what was already reported for that month.

The part that carries legal weight is different. The Fair Credit Reporting Act does not require Mission Lane to report on any particular schedule, or at all. What it requires is that whatever is reported be accurate, and that inaccuracies be corrected once the furnisher receives the dispute through a bureau. A slow update is generally not, by itself, a violation. A wrong balance, a payment marked late that was paid on time, an account still showing open after it was closed, or a balance still reporting after it was paid — those are accuracy problems, and those are actionable.

Numbers and addresses that are not on this list

Card companies use outbound calling vendors and short-code messaging services, so a legitimate call or text about a Mission Lane account can come from a number that appears nowhere in the company's own material — which, in Mission Lane's case, is every number. An unlisted number is not proof of a scam, and a number that others report as belonging to the company is not proof the caller is genuine. Caller ID is trivially spoofed. Hang up and call the number printed on the back of your card.

There is a different problem worth separating out. If a Mission Lane, TAB Bank or WebBank 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 Transportation Alliance Bank, TAB Bank and WebBank as well as Mission Lane.
• Read the cardholder agreement to confirm which bank issued the account, then compare that against the name on the tradeline.
• 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 Mission Lane LLC, PO Box 105286, Atlanta, GA 30348-5286.
• 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.

Frequently asked questions

Why is Mission Lane on my credit report?

Because you hold or held a Mission Lane Visa. Mission Lane LLC is not a bank; it markets and services the account, and the card is issued by Transportation Alliance Bank, Inc., doing business as TAB Bank, of Ogden, Utah. The agreement provides that the company may report your account to credit reporting agencies, and it does so on the ordinary monthly cycle.

Is Mission Lane the same as TAB Bank on my report?

They are two parties to the same card. TAB Bank issues the Mission Lane Visa and Mission Lane services it, so depending on how a bureau displays the account you may see either name. Seeing an unfamiliar Utah bank next to a balance and limit that match your Mission Lane card usually means you have found the same account, not a fraudulent one. Seeing both names with separate balances is a duplicate and worth disputing.

How do I contact Mission Lane about a credit reporting error?

Write to Mission Lane LLC, Credit Reporting department, P.O. Box 105286, Atlanta, GA 30348. General customer service is 855-790-8860, and servicemembers seeking Military Lending Act disclosures use 844-885-2921. Writing to the company is useful, but it does not replace a written dispute to the credit bureaus, which is the step that triggers the furnisher's investigation duty under the FCRA.

Mission Lane applied for a bank charter. Will my account change?

Mission Lane applied to the OCC and the FDIC on April 21, 2026 for a national bank charter under the proposed name Mission Lane Bank, described in press coverage as providing credit card operations without deposits or commercial loans. An application is not an approval. If a charter is granted and accounts move, expect the tradeline name to change, and compare the new entry against the old one for a duplicated balance or a reset open date.

Does Mission Lane's spin-off from LendUp affect my dispute?

No. The credit card business was spun out of LendUp as a stand-alone company around the end of 2018, which is corporate history and nothing more. Mission Lane is a separate company, and regulatory actions involving LendUp after the separation are not Mission Lane's. Your dispute succeeds or fails on whether a specific field on your own tradeline is wrong.

What phone number does Mission Lane use?

Mission Lane publishes no customer service phone number. Its contact page tells cardholders to call the number printed on the back of the card, Monday through Friday from 9:00 a.m. to 8:00 p.m. Eastern, and gives no dispute line, no fraud line and no general service line. That means any Mission Lane number found on a directory site or in a search result is not a number the company itself has confirmed. It may well be genuine; it is simply not verifiable from Mission Lane's own material.

Is 855-790-8860 a Mission Lane phone number?

855-790-8860, also written (855) 790-8860 or 8557908860, is searched for far more often than any other number in connection with Mission Lane, which is what you would expect from consumers reading a number off a caller ID and looking up who called. We list it as consumer-reported and unconfirmed. Search volume on a number is evidence that people receive calls from it, not evidence that it belongs to the company those callers name. Because Mission Lane publishes no number, there is nothing to verify it against. Do not give account information to an inbound caller; hang up and call the number on the back of your card.

What is Mission Lane's mailing address?

Payments go to Mission Lane LLC, PO Box 71084, Charlotte, NC 28272-1084. Written correspondence goes to a different state entirely: Mission Lane LLC, PO Box 105286, Atlanta, GA 30348-5286. A dispute letter mailed to the Charlotte box lands in a payment processing operation rather than with anyone who can act on it. Mission Lane does not publish a separate credit bureau dispute address or a separate credit reporting address.

Which bank issues the Mission Lane credit card?

Mission Lane discloses that the Mission Lane Visa Credit Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC, or WebBank, under license from Visa. Two possible issuers are named in the alternative for the same product, so two people holding what looks like the same card can have accounts at two different banks. If you are searching a credit report for Mission Lane and cannot find the account, search for Transportation Alliance Bank, TAB Bank and WebBank as well. The cardholder agreement names the actual issuer.

When does Mission Lane report to the credit bureaus?

Furnishers generally report on a monthly cycle tied to the account statement date rather than a fixed calendar day, so the date varies by account, and the balance the bureaus see is normally the balance as of statement close. The part that carries legal weight is different. The Fair Credit Reporting Act does not require reporting on any particular schedule, or at all; it requires that whatever is reported be accurate and that inaccuracies be corrected once the furnisher receives a dispute through a bureau. A wrong balance, a late mark on a payment made on time, or a balance still reporting after the account was paid are accuracy problems and are actionable.

Location does not limit us. The Kim Law Firm represents consumers across the country in Fair Credit Reporting Act matters, working from our offices in Philadelphia, Pennsylvania. If a Mission Lane entry on your credit report is inaccurate, duplicated under the issuing bank's name, or reports an account you never opened, and disputing it has not fixed it, we would like to hear from you.