![]() ![]() I just called and the lady was able to remove the missed payments and is mailing me a letter stating it has been updated from deliquent to no missed payments. So, I followed up and the auto responder said to call in. I was told I'd get a response within 2 business days, I received a response the next day, but it stated they'd forward the message and I'd get a response in another 2 business days, and I never did. I sent a message on FB, they stated I could mail in a response or used the secure message system online, so I sent it throught the secured portal. ![]() It's from July 2019 30 days, I missed June's payment then paid the end of July. Visit their website and fill out the form to learn more about how they can help you achieve better credit.I have one missed payment on my report and my score took a major hit. They have helped many people in similar situations improve their credit scores. If you’re struggling with bad credit and would like assistance, consider a free credit consultation with Credit Saint. They can help you dispute and possibly remove various items, including: ![]() Removing Comenity Bank/Vctrssec from Your Credit ReportĬredit Saint is a company specializing in removing inquiries and other inaccurate, negative marks from your credit report. The creditor’s name should be listed under the hard inquiry section on your credit report. If you find an inquiry on your credit report that you don’t recognize or didn’t authorize, contact Comenity Bank and inquire about the reason for the inquiry. Each inquiry is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion. Regardless of whether you are approved for the Victoria’s Secret credit card, the hard inquiry will stay on your credit report for up to 2 years. How long do hard inquiries stay on your credit report? Unlike hard inquiries, soft inquiries do not impact your credit scores. Soft inquiries may also be pulled by an existing creditor to check on your current credit situation. On the other hand, a soft inquiry typically occurs when a company checks your credit history as part of a background check, or when a credit card issuer or lender prequalifies you for an offer. Soft Inquiries: A Gentler Approach to Credit Checks Although hard inquiries typically only drop your credit score by a few points, having too many in a short period can cause significant damage to your credit score. Examples of instances when hard inquiries occur include applying for a mortgage, apartment, car loan, credit card, insurance policy, or even a job application. How Hard Inquiries Affect Your Credit ScoreĪ hard inquiry takes place when you apply for new credit, and the lender or creditor performs a credit check. It also comes with other exclusive benefits like free shipping on every $50+ purchase and a birthday gift. The Victoria’s Secret credit card allows you to earn reward points, which you can then redeem for merchandise at the store. ![]() This usually happens when you apply for a Victoria’s Secret credit card issued by Comenity Bank. You may see Comenity Bank/Vctrssec on your credit report as a hard inquiry. Comenity Bank/Vctrssec is a credit report code that stands for Comenity Bank/Victoria’s Secret. ![]()
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