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

American Express Company

Headquarters at the American Express Tower
Type	Public
Traded as	NYSE : AXP DJIA component S&P 100 component S&P 500 component
Industry	Banking Financial services
Predecessor	Livingston, Fargo & Company Wells, Butterfield & Company Wells & Company
Founded	March 18, 1850 ; 171 years ago ( 1850-03-18 ) , in Buffalo, New York , U.S.
Headquarters	200 Vesey Street Manhattan , New York City , NY 10285 United States
Area served	Worldwide
Key people	Stephen J. Squeri ( Chairman & CEO ) Jeffrey C. Campbell ( Executive VP & CFO )
Products	Charge cards Credit cards Traveler’s cheques Corporate banking
Services	Finance Insurance Travel
Revenue	US$ 43.66 billion (2021) ^[1]
Operating income	US$4.3 billion (2020) ^[2]
Net income	US$8.06 billion (2021) ^[1]
Total assets	US$188.55 billion (2021) ^[1]
Total equity	US$22.18 billion (2021) ^[1]
Owner	Berkshire Hathaway (18%)
Number of employees	63,700 (December 2020) ^[2]
Website	americanexpress.com
Footnotes / references ^[3] ^[4] ^[5]

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!

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.

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.

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)