If you’ve spotted Comenity Bank/Vctrssec on your credit report, you might be wondering what it means and how it affects your credit. Here’s what you need to know—and how to get it removed if the inquiry wasn’t authorized.
What Is Comenity Bank/Vctrssec?
Comenity Bank/Vctrssec is the code that shows up on your credit report when you apply for a Victoria’s Secret credit card. Comenity Bank issues store credit cards for many popular brands, including Victoria’s Secret.
If you recently applied for this card, that’s why you’re seeing Comenity Bank/Vctrssec listed as a hard inquiry on your credit report.
The Victoria’s Secret credit card offers perks like reward points for purchases, free shipping on qualifying orders, and an annual birthday gift.
How Comenity Bank/Vctrssec Inquiries Affect Your Credit Score
When you apply for new credit, such as a Victoria’s Secret credit card, the lender runs a hard inquiry on your credit report. Hard inquiries can lower your credit score by a few points.
One inquiry won’t hurt your score much, but several hard inquiries in a short period can have a bigger impact. Lenders may see multiple inquiries as a sign you’re actively seeking credit, which can make you look like a higher risk.
How Long Comenity Bank/Vctrssec Stays on Your Credit Report
A hard inquiry from Comenity Bank/Vctrssec stays on your credit report for up to two years. All three major credit bureaus—Equifax, Experian, and TransUnion—will show the inquiry.
The impact on your credit score fades over time, with the biggest effect typically happening in the first 12 months. After two years, the inquiry automatically drops off your credit report.
How to Handle Unauthorized Comenity Bank/Vctrssec Inquiries
If you see a Comenity Bank/Vctrssec inquiry you don’t recognize, act quickly:
- Contact Comenity Bank: Ask them to verify the details of the inquiry.
- Dispute with the Credit Bureaus: If the inquiry was unauthorized or inaccurate, you can file a dispute to have it removed.
Unauthorized inquiries can result from reporting errors or identity theft. If proven inaccurate, the credit bureaus are required to remove them from your credit report.
How to Remove Comenity Bank/Vctrssec From Your Credit Report
If the inquiry is legitimate—meaning you applied for a Victoria’s Secret credit card—it cannot be removed early. It will stay on your credit report for two years.
But if the inquiry is unauthorized or incorrect, you have the right to dispute it under the Fair Credit Reporting Act (FCRA). You can send a dispute letter to the credit bureaus explaining why the inquiry is inaccurate and request its removal.
Some people handle this process themselves, but if you prefer expert help, working with a credit repair company can simplify the process.
How Credit Saint Can Help With Inquiries and Negative Marks
If you’re dealing with unauthorized Comenity Bank/Vctrssec inquiries or other negative marks hurting your credit score, Credit Saint may be able to help.
They assist with disputing and potentially removing:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Credit Saint offers free consultations to review your credit situation. They even provide a 90-day money-back guarantee if you’re not satisfied with the service.
Want expert help improving your credit? Visit their website to learn more and schedule your free consultation.
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