How to Remove Comenity Bank/ATYLRLMC From Your Credit Report


Is Comenity Bank/ATYLRLMC hurting your credit score?

Credit Saint has successfully assisted countless clients in removing inaccurate and questionable credit inquiries from their credit reports.

Comenity Bank/ATYLRLMC is an abbreviation that stands for Comenity Bank/Ann Taylor MasterCard. This financial institution provides the Ann Taylor credit card, a retail store card designed for frequent shoppers of the Ann Taylor brand.

Why Comenity Bank/ATYLRLMC May Appear on Your Credit Report

You might find Comenity Bank/ATYLRLMC on your credit report as a hard inquiry if you’ve recently applied for an Ann Taylor credit card issued by Comenity Capital Bank. When you apply for new credit, the lender or creditor will run a credit check, which can result in a hard inquiry on your report.

Hard Inquiries vs. Soft Inquiries

Hard Inquiries

When you apply for new credit, such as a mortgage, car loan, insurance policy, or credit card, and the lender or creditor runs a credit check, it is considered a hard inquiry. Even applying for an apartment, cell phone plan, or certain job positions can trigger a hard inquiry.

Though a single hard inquiry may only cause a small drop in your credit score, multiple hard inquiries within a short period can accumulate and negatively impact your score.

Soft Inquiries

Soft inquiries typically occur when a company checks your credit history during a background check, or when a lender or credit card issuer checks your credit to prequalify you for an offer. These inquiries may also be conducted by existing creditors monitoring your current credit situation. Unlike hard inquiries, soft inquiries do not affect your credit scores.

How long do hard inquiries stay on your credit report?

Regardless of whether you’re approved for the Ann Taylor credit card, the hard inquiry will stay on your credit report for up to 2 years. Hard inquiries are recorded by one or more of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Dealing with Unauthorized Inquiries

If you don’t recognize an inquiry or are certain you didn’t authorize it, contact Comenity Bank and ask for an explanation. The creditor’s name should be listed under the “Inquiries” section of your credit report.

Can Comenity Bank/ATYLRLMC be removed from my credit report?

Credit repair companies like Credit Saint specialize in removing inquiries and other negative items from your credit report.

They can help you dispute and potentially remove various items, including:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • bankruptcies

Take Action to Improve Your Credit

If you’re struggling with bad credit and want to learn more about your options, consider a free credit consultation with Credit Saint. They have a history of helping people in similar situations and can guide you through the process.

Visit their website and fill out the form to see how they can assist you in improving your credit health.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.