What Credit Bureau Does Home Depot Use

What Credit Bureau Does Home Depot Use In 2022? (Guide)

American Express Company




DJIA component

S&P 100 component

S&P 500 component

Financial services

Livingston, Fargo & Company

Wells, Butterfield & Company

Wells & Company
Founded March 18, 1850

; 171 years ago




, in

Buffalo, New York

, U.S.
200 Vesey Street



New York City




United States
Area served
Key people

Stephen J. Squeri






Jeffrey C. Campbell


Executive VP





Charge cards

Credit cards

Traveler’s cheques

Corporate banking



Revenue Increase


43.66 billion




US$4.3 billion




US$8.06 billion



Total assets


US$188.55 billion



Total equity


US$22.18 billion



Berkshire Hathaway

Number of employees

(December 2020)




Footnotes / references




Home Depot offers customers the opportunity to obtain a store credit card, which gives them a number of special benefits and discounts.

  • However, you may be curious as to which credit bureau Home Depot uses. You can find everything that I have discovered by doing research on the topic here!
  • What Credit Bureau Does Home Depot Use In 2022? (Guide)

    Home Depot’s 2022 Credit Bureau Uses

    Home Depot predominantly uses the Equifax, Experian, and TransUnion credit bureaus in the United States for checking the eligibility of customer applications for a store credit card. Home Depot systems will automatically determine which credit unions are eligible to be used for credit checks. Customers need to have at least 640 credit points.

  • Read on for more information on Home Depot’s credit bureaus, the process of credit checking for a Home Depot store credit card, the credit score needed to be eligible, and much more!
  • Home Depot provides a Store Credit Card

    Home Depot provides customers with a store credit account that they may apply for.

    The application can be completed online through HomeDepot.com’s credit card portal or in person at your local Home Depot. The following corporate credit cards currently are available:

  • Home Depot Consumer Credit Card
  • Project Loan Card
  • The Commercial Resvolving Credit Card
  • The Commercial Account Card
  • For eligibility, applicants must provide their Social Security number and contact information.

    What Credit Bureau Does Home Depot Use In 2022? (Guide)

    Home Depot What Credit Bureaus Do They Use for Their Store Credit Card?

  • Home Depot’s automated system will accept your credit card application and then pass your financial information off to one of three major credit bureaus for the check to be completed
  • Home Depot will randomly select one of Equifax, Experian or TransUnion to conduct a credit check.

    Home Depot said that the only way to identify which credit bureau Home Depot will send details about the applicant to conduct a credit check is to ask them.

    Citigroup also issues the Home Depot credit card, which is issued by Citigroup. Citigroup relies on Equifax and Experian for quality control.

    Home Depot Will Do A Hard Credit Verification?

    Home Depot performs hard credit checks on all application for store cards.

    Home Depot has to determine whether a store applicant is eligible for a credit card. This requires that the company performs a credit check.

    You will need to submit your Social Security and Personal Information for the credit bureaus to assess your situation.

    Home Depot informs customers that this credit card is not available for prequalification. They must submit a hard credit report.

    What Credit Bureau Does Home Depot Use In 2022? (Guide)

    What Credit Score Does Home Depot Require?

    Home Depot’s credit card is similar to other credit cards, like Target or Lowe’s, and requires that applicants have satisfactory pre-credit scores in order to be eligible.

    A credit score of approximately 640 is required to apply for the Home Depot Store Credit Card.

    Is The Home Depot Credit Card Hard To Get?

    While the Home Depot credit card is not necessarily difficult to obtain, given that you have the appropriate information and an adequate credit score, it can affect your credit negatively.

    If you are unsuccessful, a hard credit assessment to assess your eligibility can result in credit scores being affected by a drop of around 5–10 points.

    Home Depot cards have serious credit conditions. Customers who are interested in this card should feel confident about their ability to qualify before they apply.

    To prevent rejection, applicants must ensure that their credit is clear of any blocking or freezing.

    What Credit Bureau Does Home Depot Use In 2022? (Guide)

    How do Home Depot Store credit cards benefit you?

    Home Depot offers a base credit card with an initial interest rate of 0% and a scaled annual APR rate based on usage. Other benefits can vary depending on your usage.

    Customers also have the option to get a card that is specifically tailored for loans for projects. Cardholders have the option to repay the entire amount in a fixed time period, similar to a credit line with a limit of $55,000 and a balance cap.

    Home Depot is an online retailer that accepts American Express. You can also find information about whether Home Depot offers ‘Buy Now, Pay Later’ and PayPal.

  • Conclusion
  • Home Depot utilizes one of the three most important credit bureaus for determining eligibility of store credit card applicants.

    The Home Depot credit card service system randomly selects from Equifax, Experian, and TransUnion for applicants’ financial information to be sent to.

    The applicants are also unable to know which credit bureau will be chosen by the system for determining eligibility.

    What bureau does Home Depot use?

    Home Depot primarily uses Equifax, Experian and TransUnion credit bureaus to verify customer eligibility for store credit cards. The Home Depot system will automatically select one of these credit unions to pass a credit check through upon application.

    Home Depot Which Credit Reporting Company Do They Use?

    Home Depot makes use of three major credit reporting agencies: Equifax (Experian), TransUnion and TransUnion. This allows them to identify the customer’s eligibility, then give the customers a store credit card. Dec 15, 2021

    Home Depot does a hard credit check?

    Yes. The Home Depot Credit Card checks your credit history. The Home Depot Credit Card requires a credit score minimum of 640. This requirement is in line with the requirements for most store card cards. You cannot pre-qualify to apply for the Home Depot Credit Card. June 25, 2020

    Home Depot reports to all 3 credit bureaus

    Home Depot(r) Credit Card submits monthly reports to credit bureaus. This happens within days from the close of a cardholder’s monthly billing period. Home Depot(r), Credit Card reports the cardholder’s credit limit (amount balance, payment history, etc.) to all three major credit bureaus TransUnion Equifax and Experian.

    .What Credit Bureau Does Home Depot Use In 2022? (Guide)

    See also  What Credit Bureau Does Lowe'S Use
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