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 customers have the option to get a credit card for their store that offers a range of exclusive benefits as well as low prices.

  • You might wonder: What credit bureau uses Home Depot? I did some research into the subject and here is everything I discovered!
  • What Credit Bureau Does Home Depot Use In 2022? (Guide)

    Home Depot’s 2022 Credit Bureau Uses

    Home Depot relies on the Equifax Credit Bureau, Experian Credit Bureau, and TransUnion credit agencies in the United States to determine if a customer is eligible for a store credit. Home Depot systems will automatically determine which credit unions are eligible to be used for credit checks. Typically, customers need a credit score of at least 640.

  • Continue reading to learn more about Home Depot’s credit bureaus and the process for credit checks for Home Depot credit cards. Also, find out what credit score is required in order to become eligible.
  • Home Depot does offer a Credit Card in Store?

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

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

  • The Home Depot Consumer Credit Card
  • Project Loan Card
  • The Commercial Revolving Charge Card
  • The Commercial Account Card
  • Applicants will require their Social Security number, contact information, and other personal details, and need to meet eligibility requirements to be successful.

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

    Home Depot Which Credit Bureaus Use Its 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
  • Either Equifax, Experian, or TransUnion will be randomly selected by the Home Depot credit card services system for the credit check.

    Home Depot says it is impossible to know which credit bureau will be sending the details of the applicant for credit checks to take place.

    Citigroup is the bank that issues Home Depot’s credit card. It also uses Experian and Equifax to verify quality.

    Does Home Depot Do A Hard Credit Check?

    Yes, Home Depot does complete a hard credit check on all store card applications.

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

    It involves providing your Social Security number and your personal information to a credit bureau in order for them to make a determination about your standing.

    Home Depot warns customers that they cannot apply for the store credit card before applying. Customers must also pass the credit checks.

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

    What Credit Score Does Home Depot Require?

    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.

    You need a credit score of around 640 points in order to be eligible for the Home Depot store credit card, as determined by the credit bureau’s check.

    What is the easiest way to apply for The Home Depot Credit Card

    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.

    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.

    This card is a serious credit card and any customer interested should have confidence in their eligibility prior to applying. It should not be done on impulse.

    Applicants should ensure that any freezing or blockages to their credit are removed prior to applying for this store credit card, to avoid denial of the application.

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

    What Benefits Come With A Home Depot Store Credit Card?

    Home Depot’s base credit card gives an initial 0% interest rate, with a scaling annual APR rate depending on use. Other benefits will vary depending upon usage.

    Customers can also get credit cards specifically designed for the purpose of project loans. Cards can be used to finance projects, and are similar in nature to credit cards with a cap on the amount they have available.

    Home Depot has a lot to offer.

  • Conclusion
  • Home Depot makes use of one of the main credit bureaus to verify the eligibility of applicants for its store credit cards.

    Home Depot is a credit card company that randomly picks financial information for its applicants from Equifax or TransUnion.

    Applicants also have no way of knowing which credit bureau the system will choose for determining their eligibility.

    Which bureau is Home Depot using?

    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 will select the credit union that passes credit checks for customers who apply.

    What Credit Reporting Company Does Home Depot Use?

    Home Depot relies on the America’s largest credit reporting agencies, Equifax/Experian, as well as TransUnion, in order to verify the eligibility and provide a credit card. The company analyses the credit history of every customer and offers them a credit card.Dec 15, 2021

    Home Depot Can Do A Hard Credit Test?

    Yes. The Home Depot Credit Card checks your credit history. To get the card, you will need to have a minimum credit score of 640. This is comparable with other store cards. It is impossible to be prequalified for Home Depot Credit Card. A hard pull usually causes an applicant’s credit score to drop by 5-10 points.Jun 25, 2020

    Home Depot reports to all 3 credit bureaus

    Home Depot(r) Credit Card sends credit bureaus monthly reports within days of cardholders’ monthly billing periods. 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
    Dear Adam Smith is a data-driven assistance tool for online research. There’s so much information out there, including social networks, blogs, forums, comments, and articles to name a few. Thousands of new reviews are published every day. It’s…

    Related Posts

    1 of 173