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




Along with low pricing, Home Depot also customers the chance to apply for a store credit card that gives a variety of benefits and exclusive sale prices.

  • But you might be wondering: what credit bureau does Home Depot use? You can find everything that I have discovered by doing research on the topic here!
  • 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. These company credit cards are available at the moment:

  • 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 credit system will process your credit card application, and pass on your financial data to one of the major credit bureaus.
  • Home Depot will randomly select one of Equifax, Experian or TransUnion to conduct a credit check.

    According to Home Depot, there is no way to determine which credit bureau the system will send the applicant details to for the credit check to be completed.

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

    Home Depot Can Do A Hard Credit Test?

    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.

    For a credit bureau, this means that you must submit your social security information and personal details to determine your current status.

    Home Depot advises that customers cannot pre-qualify for this store credit card in any way, and must complete the mandatory hard credit check.

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

    It is possible to apply for the Home Depot Credit Card, provided you have all the information required and a high credit score.

    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 is known for its serious credit rating. Any interested customer should make sure they are eligible before applying.

    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 are the Benefits of a Home Depot Store Card Credit Card?

    Home Depot’s basic credit card offers a 0% initial rate with a rising annual APR rate. Other benefits will vary depending upon usage.

    Additionally, customers can get a credit card specifically for use for project loans. Akin to a line of credit with a balance cap of $55,000, cardholders can pay back the amount over a finite period of time.

    If you are looking to learn more about shopping at Home Depot, you might also be interested in reading up on whether or not Home Depot accepts American Express, if Home Depot accepts ‘Buy Now Pay Later’ services, and if Home Depot accepts PayPal.

  • Conclusion
  • Home Depot uses one of three major credit bureaus in order to assess the creditworthiness of its 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.

    It is also impossible for applicants to determine which credit bureau they will use in determining their eligibility.

    What Bureau Does Home Depot Use

    Home Depot uses the Equifax and Experian credit bureaus in America to check 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 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. Home Depot Credit Card will conduct a credit pull. 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. Jun 25, 2020

    Is Home Depot a Credit Bureau?

    Home Depot(r) Credit Card sends credit bureaus monthly reports within days of cardholders’ monthly billing periods. Home Depot(r), Credit Card reports cardholder’s credit limit and account balance to the three major credit bureaus TransUnion, Equifax and Experian. Dec 9, 2021

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

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