How to Remove CB/VICSCRT From Your Credit Report

CB/VICSCRT is one of those credit report entries that looks unfamiliar until you break it down. It’s the code Comenity Bank uses when they run a hard inquiry for a Victoria’s Secret credit card application. If you recently signed up for the card at checkout or online, this is exactly what you’d expect to see.

If you don’t recognize it, that’s a different story. An unauthorized hard inquiry on your credit report is always worth investigating. Here’s what CB/VICSCRT means, how it affects your credit score, and what to do if something doesn’t add up.

What Is CB/VICSCRT on Your Credit Report?

CB/VICSCRT is the credit bureau code that identifies a hard inquiry from Comenity Bank in connection with a Victoria’s Secret credit card application. Comenity Bank is the issuing bank behind the Victoria’s Secret credit card, and they run a credit check any time someone applies.

The inquiry is recorded on your credit report whether you were approved, denied, or walked away before finishing the application.

Why CB/VICSCRT Appears on Your Credit Report

Comenity Bank pulls your credit history when you apply for a Victoria’s Secret credit card to assess your creditworthiness before making an approval decision. That pull is what generates the CB/VICSCRT entry on your credit report.

It most commonly shows up in these situations:

• In-store application: Many people apply for the Victoria’s Secret card at the register to take advantage of a discount, often without realizing a hard inquiry will follow.
• Online application: Applying through the Victoria’s Secret website triggers the same credit check as an in-store application.
• Unauthorized application: If someone used your personal information to apply for the card without your knowledge, the hard inquiry still appears on your credit report.

How CB/VICSCRT Affects Your Credit Score

A single hard inquiry from Comenity Bank will cause a small dip in your credit score, usually just a few points. That’s not a serious concern on its own. The impact becomes more noticeable when multiple hard inquiries pile up within a short timeframe, which can signal to lenders that you’re actively seeking credit and raise concerns about your financial situation.

The effect fades within a few months and becomes minimal well before the entry drops off your credit report. If CB/VICSCRT is the only recent hard inquiry showing on your credit report, there’s not much to worry about from a credit score perspective.

How Long CB/VICSCRT Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. Equifax, Experian, and TransUnion all record the entry and display it to lenders during that window.

The effect on your credit score fades well before the two-year mark, typically within the first six to twelve months. Once the full two years are up, the entry disappears automatically.

What to Do If You Don’t Recognize the CB/VICSCRT Entry

An unfamiliar CB/VICSCRT entry on your credit report deserves immediate attention. Here’s what to do:

• Contact Comenity Bank directly: Ask them to confirm what triggered the inquiry, when it was pulled, and whether the application was tied to your personal information. They can tell you whether an account was opened as a result.
• Dispute with the credit bureaus: If Comenity Bank cannot confirm you authorized the inquiry, file a formal dispute with each credit bureau showing the entry. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: If you believe someone applied for credit in your name, a fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you remove it.

Comenity Bank Contact Information

If you need to reach Comenity Bank to ask about a CB/VICSCRT inquiry, here is their contact information:

Phone: (855) 563-1681

Mailing Address: Comenity Bank, P.O. Box 183003, Columbus, OH 43218

Bottom Line

CB/VICSCRT on your credit report is a hard inquiry from Comenity Bank, placed when someone applied for a Victoria’s Secret credit card. If you made that application, the entry is legitimate and will age off your credit report after two years without any action needed on your part.

If you don’t recognize it, move quickly. Contact Comenity Bank, dispute the entry with the credit bureaus, and consider placing a fraud alert on your credit report to prevent further unauthorized activity. Unfamiliar hard inquiries are not always a sign of fraud, but they are always worth investigating before they do lasting damage to your credit score.