If they’re on your credit report, it probably indicates that you have an account with them or they checked your credit. Comenity Bank and Victoria’s Secret are legitimate organizations. Get a Free Consultation Is CB/VICSCRT a scam? If you want to remove CB/VICSCRT from your credit report, write to their address:Ĭolumbus, OH 43218-2273 Phone Number: (800) 695-9478 Website: c.ĭisputing an incorrect entry on your credit report can be stressful and difficult. If you see items on your credit report labeled CB/VICSCRT, it means you likely have a line of credit with a Comenity Bank affiliate. Here are some of Comenity Bank’s other affiliates: 6 With rights to more than 145 credit cards, Comenity Bank partners with retailers in a wide range of industries. If Comenity Bank appears on your credit report but you never applied for a Victoria’s Secret card, then you may have an account with one of Comenity Bank’s other affiliates. You may also see items from Victoria’s Secret on your credit report as Comenity Bank/VCTRSSEC. If you see CB/VICSCRT on your credit report, you probably applied for a store card from Victoria’s Secret. 2Īlliance Data Systems began their partnership with Victoria’s Secret parent company Limited Brands in 1996, and have renewed their agreement multiple times. 1 They are a subsidiary of Alliance Data Systems Corporation, a financial services company. How to remove CB/VICSCRT from my credit reportĬB/VICSCRT stands for Comenity Bank/Victoria’s Secret.Ĭomenity Bank is a credit card bank that provides co-branded and private-label cards for retailers and online savings accounts for consumers.How does CB/VICSCRT affect my credit score?.What is CB/VICSCRT on my credit report?.I'll update once I receive the letter in the mail confirming the removal of the late payment. I've set alarms on my phone to make sure I pay two days in advance, and this will not happen again! Thank you!" Please give me a chance to have my perfect paying history back. And, I in fact didn't miss a payment for the 30 days, I actually did pay in July. I really do believe in having a good payment history and if you look at my records, I have no other missed payments. I'm writing today to ask for your forgiveness for my mistake. I did however make sure to pay July 21, 2019, but I still was shown as a missed payment on all three credit bureaus. In the mist of moving I believe I forgot to pay on my due date. But, in July 2019 I had a missed payment. It's really been a privilege to be able to do business with your company and I would like for it to continue and for me to continue to prove my value to you as a customer. "Hello, my name is X X I'm writing you today because I am a customer of your Victoria's Secret store card. I also provided a screenshot showing I havent missed any other payments. Here is what I wrote for my GW letter, it's simple and to the point. Thank you for being a valued card member. You will receive a decision from us, the same way your request was received. Once we have received your request, by one of these methods, a member of our Credit Bureau Disputes team will review your request and the account. I have included the mailing address and the website needed to submit your request. You will need to log into your online accounts to access the SMC tool. Your request would need to be received either by mail or via our Secure Messaging Center. 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. I have one missed payment on my report and my score took a major hit.
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