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 gives customers the possibility to apply for a store card with a host of benefits, including a discount and sale price.

  • Perhaps you are wondering what credit bureau Home Depot uses. I did some research into the subject and here is everything I discovered!
  • What Credit Bureau Does Home Depot Use In 2022? (Guide)

    Which Credit Bureau Will Home Depot Use in 2022?

    Home Depot primarily uses Equifax, Experian and TransUnion credit bureaus to verify customer eligibility for store credit cards. Home Depot’s credit system automatically picks one of the credit unions that passes a credit test. A customer must have a credit score at the minimum of 640.

  • For more information about Home Depot’s credit bureaus, how to check your credit for Home Depot store credit, eligibility requirements, and more, read on!
  • Home Depot has a store credit card

    Home Depot offers customers the option of a credit card for their store.

    You can fill out an application online at HomeDepot.com or in-store at the local Home Depot. The following corporate credit cards currently are available:

  • Home Depot Consumer Credit Card
  • The Project Loan Card
  • The Commercial Revolving Charge Card
  • The Commercial Account Card
  • In order to qualify, applicants will need to provide Social Security numbers, contact information, as well as other personal details.

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

    Home Depot uses which credit bureaus for its store credit card

  • Home Depot’s automated system accepts credit cards applications and sends financial information to the three largest credit bureaus to complete the check.
  • Home Depot’s credit card system will random select Equifax or TransUnion for credit checks.

    Home Depot claims that there’s no way to find out which credit bureau Home Depot sends the applicants details for the credit verification.

    Furthermore, the Home Depot store credit card is issued through Citigroup bank, which also relies on Equifax, Experian, and TransUnion for quality checks.

    Home Depot does a hard credit check?

    Home Depot checks all credit applications.

    Home Depot must determine the eligibility of all store credit card applicants, and so the company does perform a hard credit check.

    This involves submitting your personal details and Social Security information for a credit bureau to carry out its determination on your status.

    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)

    Home Depot Needs What Credit Score?

    Like most other store credit cards available, such as Lowe’s or Target, the Home Depot credit card does require its applicants to have a satisfactory preliminary credit score to be successful.

    For the Home Depot store credit cards, you need to have credit scores of at least 640 points.

    Are You able to obtain the Home Depot Credit Card easily?

    The Home Depot credit card can be obtained if you are able to provide the necessary information as well as a good credit score. However, this credit card could negatively affect your credit rating.

    Completing a hard credit check to determine your eligibility for this store credit card can cause some applicant’s credit scores to subsequently decrease by around 5 to 10 points should it be unsuccessful.

    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 avoid being denied, applicants need to ensure that no freezing or blocking of credit has occurred before they apply for this credit card.

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

    See also  What Credit Bureau Does Lowe’S Use
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