If you see “Comenity Bank/ATYLRLMC” listed on your credit report, it’s usually tied to a recent credit card application. Here’s what that entry means, how it may affect your credit score, and what you can do if the inquiry wasn’t authorized.
What Is Comenity Bank/ATYLRLMC?
Comenity Bank/ATYLRLMC refers to an application for the Ann Taylor MasterCard, which is issued by Comenity Bank. This retail credit card is designed for Ann Taylor shoppers and often includes store-specific perks or rewards.
If you applied for this card—or someone else did using your information—you’ll see a hard inquiry listed under this name.
Why Comenity Bank/ATYLRLMC Appears on Your Credit Report
This entry typically shows up when you apply for the Ann Taylor MasterCard. Comenity Bank performs a credit check as part of the approval process, which triggers a hard inquiry.
Even if you don’t remember applying, the inquiry could still appear on your report if someone submitted an application using your personal details.
How a Comenity Bank/ATYLRLMC Inquiry Affects Your Credit Score
A hard inquiry can reduce your credit score by a few points. While one or two inquiries won’t cause much harm, several within a short timeframe can raise concerns for future lenders.
Too many hard pulls can signal financial strain or suggest that you’re seeking too much new credit at once.
How Long Comenity Bank/ATYLRLMC Inquiries Stay on Your Report
Hard inquiries remain on your credit report for up to two years. However, their effect on your credit score typically fades after about 12 months.
If the inquiry is legitimate, it will eventually drop off. But if it wasn’t authorized, you can—and should—request its removal.
What to Do If You Don’t Recognize the Inquiry
If you didn’t apply for an Ann Taylor credit card, take these steps right away:
- Contact Comenity Bank to verify the inquiry and get more information about when and how it was submitted.
- Check your credit reports across all three major bureaus—Equifax, Experian, and TransUnion—for other suspicious activity.
- Dispute the inquiry with the credit bureaus if it was made without your knowledge or permission.
- Place a fraud alert or consider freezing your credit if you suspect identity theft.
How to Remove Comenity Bank/ATYLRLMC From Your Credit Report
If the inquiry was unauthorized or submitted in error, you can dispute it with the credit bureaus. Each bureau offers a process for submitting disputes online, by phone, or through the mail.
You can handle this process yourself, or work with a credit repair service like Credit Saint. They help clients remove inaccurate or unauthorized entries, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Need Help Fixing Your Credit?
If hard inquiries or other negative marks are holding back your credit score, Credit Saint may be able to help. Their experienced team has helped thousands of people challenge incorrect entries and take back control of their credit.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started.
Visit their website today to find out how they can help you improve your credit profile.
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