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.

  • But you might be wondering: what credit bureau does Home Depot use? The subject was a topic I researched and this is all I came up with!
  • What Credit Bureau Does Home Depot Use In 2022? (Guide)

    Which Credit Bureau Will Home Depot Use in 2022?

    Home Depot uses the Equifax and Experian credit bureaus in America to check customer eligibility for a store card. The Home Depot system will automatically select one of these credit unions to pass a credit check through upon application. Customers usually need credit scores of at minimum 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 offers a credit card for its stores

    Yes, Home Depot does offer customers a store credit card that they can apply for.

    Fill out the online application at HomeDepot.com. Or in-store at your 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
  • 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’s Store Credit Cards are issued by which Credit Bureaus?

  • 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 credit card service system will randomly choose one from Equifax, Experian, and TransUnion as the 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.

    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

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

    Home Depot is responsible for verifying the creditworthiness of any store credit card applicant.

    To help a credit bureau determine your status, you will have to provide your Social Security numbers and personal data.

    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)

    How high is Home Depot’s credit score?

    Home Depot’s creditcard requires its applicants to have a good preliminary credit score in order to be granted approval.

    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.

    How easy is it to get the Home Depot Credit Card?

    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’s credit cards are a credit card with serious credit requirements. Customers interested in applying should ensure they have a good credit score 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)

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