If you’ve suddenly spotted a collection notice from Tate & Kirlin on a Bilt statement you never expected, you’re not alone. A small group of users who received the beta version of the Bilt card—specifically those issued by Evolve Bank before March 2022—reported the surprise, and the mark even showed up on their credit reports.
Bilt’s spokesperson acknowledged the problem, saying they’re in touch with the collection agency and that any erroneous reporting will be deleted “immediately.” The company also told the major credit bureaus that the updates should appear within 2‑5 business days, which matches the normal reporting cycle.
What you should do right now
- Pull your credit report. Use AnnualCreditReport.com or your preferred bureau to confirm whether the collection appears.
- File a dispute. Even though Bilt promises a swift removal, a formal dispute can speed up the correction and give you a paper trail.
- Contact Bilt support. Reach out via the official support page and ask for a written confirmation that the collection is a mistake and that they’ve contacted the agency.
- Consider pausing the beta card. If you also have a Wells Fargo or Cardless Bilt card, switch to those for new purchases until the issue is fully resolved.
- Watch for the update. Expect the erroneous entry to disappear within the 2‑5 day window Bilt mentioned, but keep an eye on your credit file just in case.
Bottom line: This isn’t a systemic reporting flaw—just a misfire affecting a niche group of early adopters. If you’re not one of those beta cardholders, you can breathe easy. If you are, the fix is on its way, and a quick dispute will keep your score from taking an unnecessary hit.