![]() You might find your Victoria’s Secret credit account marked as closed even if you never took any active steps to close it. Even if you closed your account, CB/VICSCRT can stay on your credit report for 7 years (if the account was delinquent due to missed payments) to 10 years (if the account was in good standing). You have a Victoria’s Secret credit accountĬB/VICSCRT will appear on your credit report if you currently have or previously had a Victoria’s Secret credit account. Note that you usually can’t remove a hard inquiry early unless the bureau added it to your report by mistake. Hard inquiries usually lower your credit score by several points, but the effect won’t last more than a year, and the inquiry will fall off your credit report entirely after two years. Thankfully, soft inquiries won’t affect your credit score. For example, if you received an unsolicited offer letter in the mail for a credit card issued by Comenity Bank, then they may have triggered a soft inquiry during the prequalification process.
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