If CB/VICSCRT just showed up on your credit report, you might be wondering what it means. Here’s exactly what it is, why it appears, and how to remove it if needed.
What Is CB/VICSCRT on Your Credit Report?
CB/VICSCRT is the code for a hard inquiry from Comenity Bank after applying for a Victoria’s Secret credit card. Comenity Bank issues the card and reviews your credit information during the application process.
Seeing this code is normal if you recently applied for a Victoria’s Secret credit card, but it’s still important to understand how it affects your credit.
Why CB/VICSCRT Appears on Your Credit Report
When you apply for a Victoria’s Secret credit card, Comenity Bank pulls your credit report to evaluate your application. This hard inquiry shows up under the name CB/VICSCRT.
Even if you’re denied, the inquiry stays on your credit report as a record showing you applied for new credit.
How CB/VICSCRT Inquiries Affect Your Credit Score
A hard inquiry from CB/VICSCRT can lower your credit score by a few points. While a single inquiry won’t cause serious damage, multiple hard inquiries in a short period can hurt your score more noticeably.
Lenders often see several recent inquiries as a sign you’re actively seeking credit, which can make them cautious. To help protect your credit score, limit applications to when they’re necessary, especially if you plan to apply for other loans or large purchases soon.
How Long CB/VICSCRT Stays on Your Credit Report
Hard inquiries like CB/VICSCRT stay on your credit report for up to two years. The impact on your credit score fades over time, but the inquiry remains visible to lenders until it falls off automatically after 24 months.
Regularly checking your credit report can help you stay informed about these inquiries and keep your credit file accurate.
What to Do If You Didn’t Authorize a CB/VICSCRT Inquiry
If CB/VICSCRT appears on your credit report and you didn’t apply for a Victoria’s Secret credit card, take action right away:
- Contact Comenity Bank: Ask for details about the inquiry. They can confirm whether it was legitimate or made in error.
- Dispute the Inquiry: If the inquiry wasn’t authorized, file a dispute with Experian, Equifax, and TransUnion to have it removed.
- Protect Your Credit: If you suspect identity theft, consider placing a fraud alert or credit freeze on your credit report to prevent further unauthorized activity.
Can You Remove CB/VICSCRT From Your Credit Report?
If the CB/VICSCRT inquiry was unauthorized or reported incorrectly, you can dispute it with the credit bureaus. Removing inaccurate hard inquiries helps protect your credit score and keeps your credit report clean.
Many people work with professional help to deal with unauthorized inquiries and other negative marks. Credit Saint is a trusted credit repair company that helps remove hard inquiries, late payments, collections, charge-offs, repossessions, foreclosures, and bankruptcies from credit reports.
Need Help Fixing Your Credit?
If unauthorized inquiries or other negative items are dragging down your credit score, Credit Saint may be able to help. They even offer a 90-day money-back guarantee if you’re not satisfied with the service.
Visit their website, fill out the short form, and take the first step toward improving your credit.
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