How to Remove Comenity Bank/ATYLRLMC From Your Credit Report

Comenity Bank/ATYLRLMC is one of those credit report entries that looks like a string of random letters until you know the backstory. The code breaks down simply: Comenity Bank is the issuing bank, and ATYLRLMC is the abbreviated identifier for the Ann Taylor Mastercard. If you applied for that card at an Ann Taylor or LOFT location, this is the hard inquiry that followed.

If you don’t recognize it, that’s worth looking into. Here’s what the entry means, how it affects your credit score, and exactly what to do if something seems off.

What Is Comenity Bank/ATYLRLMC on Your Credit Report?

Comenity Bank/ATYLRLMC is the credit bureau code for a hard inquiry placed by Comenity Bank in connection with an Ann Taylor Mastercard application. Comenity Bank is the issuing bank behind this retail credit card, which is designed for Ann Taylor and LOFT shoppers and typically comes with store-specific rewards and perks.

The hard inquiry appears on your credit report regardless of whether your application was approved, denied, or left incomplete.

Why Comenity Bank/ATYLRLMC Appears on Your Credit Report

When you apply for the Ann Taylor Mastercard, Comenity Bank runs a credit check to evaluate your application. That check gets recorded as a hard inquiry under the Comenity Bank/ATYLRLMC code on your credit report.

It most commonly shows up after one of these situations:

• In-store application: Ann Taylor and LOFT locations often promote their credit card at checkout with discounts or reward incentives, leading many customers to apply in the moment.
• Online application: Applying through the Ann Taylor or LOFT website triggers the same credit check as an in-person 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 Comenity Bank/ATYLRLMC Affects Your Credit Score

A single hard inquiry from Comenity Bank causes a small dip in your credit score, typically just a few points. That’s not a meaningful concern for most people. The impact compounds when multiple hard inquiries from different lenders appear within a short period, which can signal to lenders that you’re actively seeking credit and may affect future approval decisions.

The effect on your credit score fades within the first 12 months and becomes negligible well before the entry drops off your credit report entirely.

How Long Comenity Bank/ATYLRLMC Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, display the entry during that window. Once the two-year period ends, it drops off automatically with no action required.

If your Ann Taylor Mastercard application was approved and an account was opened, that account also appears separately on your credit report as a tradeline, affecting your credit score based on payment history, credit utilization, and account age.

What to Do If You Don’t Recognize the Comenity Bank/ATYLRLMC Entry

An unfamiliar entry from Comenity Bank deserves immediate attention. Here’s how to handle it:

• Contact Comenity Bank directly: Ask them to confirm what triggered the inquiry, when it was pulled, and whether an account was opened as a result. They can verify whether the application was tied to your personal information.
• Check all three credit reports: Review your credit reports from Equifax, Experian, and TransUnion for any other entries you don’t recognize, since unauthorized activity rarely appears in just one place.
• Dispute with the credit bureaus: If Comenity Bank cannot verify that you authorized the inquiry, file a formal dispute with each credit bureau showing the entry. Include your personal details and a clear explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: A fraud alert requires lenders to verify your identity before approving new applications. A credit freeze goes further by blocking new credit from being issued entirely until you lift it.

Comenity Bank Contact Information

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

Phone: (855) 563-1681

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

Bottom Line

Comenity Bank/ATYLRLMC on your credit report is a hard inquiry from Comenity Bank, placed when someone applied for an Ann Taylor Mastercard. If you made that application, the entry is legitimate and will fall off your credit report after two years on its own.

If you don’t recognize it, act quickly. Contact Comenity Bank, dispute the entry with the credit bureaus, and place a fraud alert if you suspect someone applied for credit in your name. A retail card inquiry might seem minor, but an unauthorized one is always worth pursuing.