Hannah Locklear | August 18, 2023
Summary: TBOM stands for The Bank of Missouri, and if you applied for a credit card that is issued by this bank, you may find a TBOM mark on your credit report. If you owe them a credit card debt, there is a chance The Bank of Missouri might sue you. SoloSuit can help you respond to your debt lawsuit and more.
When reviewing a credit report, you may come across various entries or terms that aren't immediately recognizable. One such term you might stumble upon is “TBOM Retail.” If you've noticed this on your credit report and are wondering what it refers to, you're in the right place.
Sued for credit card debt? Use SoloSettle to settle your debts.
TBOM stands for The Bank of Missouri.
If you have recently applied for a credit card issued by Bank of Missouri, or if you have recently defaulted on your credit card payments that are financed by Bank of Missouri, you may notice TBOM Retail as a negative mark on your credit report.
You might be confused, asking yourself, “Who is TBOM Retail? Why are they affecting my credit?” And the answer is simple: you probably have applied for a line of credit with The Bank of Missouri, and your credit report is now reflecting it.
The Bank of Missouri is a traditional, long-standing financial institution located in the United States. Founded in 1891 as "The Bank of Perryville," its original location was in Perryville, Missouri. Over the years, it grew both in terms of assets and branch locations. To reflect its broader geographic reach, the bank eventually changed its name to "The Bank of Missouri."
The Bank of Missouri offers a wide range of financial products and services typical of a full-service bank. These include:
Over the decades, The Bank of Missouri expanded its presence beyond Perryville and now operates across various parts of Missouri.
The Bank of Missouri is known for partnering with various financial institutions to issue credit cards, such as:
The Bank of Missouri also issues several credit cards under its own name, such as:
Source: creditkarma
When you come across an unfamiliar term like TBOM Retail on your credit report, here are some steps to take:
Ensure that the credit report you are viewing is from a legitimate and recognized credit bureau. Sometimes, errors or unfamiliar terms might arise from unofficial or unreliable sources.
If you are unsure about an entry on your report, the simplest way to get clarity is to contact the credit bureau directly. They can provide details on the account or the creditor.
Sometimes, the name listed on the credit report might be an abbreviation or a parent company of a more familiar name. Check your past statements, bills, or receipts to see if anything matches up.
It's always a good idea to regularly review your credit report for errors. If you believe TBOM Retail is an error or a fraudulent entry, you should immediately report it to the credit bureau and initiate an investigation.
If you're still uncertain or concerned, consider seeking advice from a financial advisor or a professional who specializes in credit repair. They might be able to provide insights or recommendations tailored to your situation.
In the complicated world of credit reports, unfamiliar terms or names is not uncommon. Whether TBOM Retail is a legitimate entry or an error, it's crucial to stay informed and proactive to protect your credit. Regularly checking your credit report, understanding its contents, and rectifying any discrepancies is a key part of keeping a good credit score. Always remember, when in doubt, it's best to reach out for clarification. Your credit health is too vital to leave to guesswork.
If you owe them a credit card debt, there is a chance The Bank of Missouri might sue you. When your delinquent account escalates to legal action, SoloSuit is here to help you respond to the debt lawsuit and stand up for your rights.
When you get sued for debt, you’ll receive a Summons and Complaint (also known as a Petition in some states). These court documents outline the details of your case and the specific claims against you. In order to avoid an automatic judgment, known as a default judgment, you need to respond to the Summons and Complaint with a written Answer.
SoloSuit’s software helps you draft and file a customized Answer to your debt lawsuit. All you have to do is respond to a few questions about your case. To learn more about how to respond to a debt lawsuit, check out this video:
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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