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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 offers customers the opportunity to obtain a store credit card, which gives them a number of special benefits and discounts.

  • However, you may be curious as to which credit bureau Home Depot uses. This is what I learned after I conducted some research.
  • 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. 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.

  • You can find more details about Home Depot’s credit bureaus. Learn more about the process of applying for Home Depot store credit cards. Find out the minimum credit score required to be considered eligible.
  • Home Depot has a store credit card

    Home Depot has a store-credit card available that customers can apply to.

    Fill out the online application at HomeDepot.com. Or in-store at your local Home Depot. The following corporate credit cards currently are available:

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

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

    Citigroup banks issues Home Depot store credit cards. They also rely on Equifax, Experian or TransUnion quality checks.

    Does Home Depot Do A Hard Credit Check?

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

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

    How high is Home Depot’s credit score?

    Home Depot’s credit card is similar to other credit cards, like Target or Lowe’s, and requires that applicants have satisfactory pre-credit scores in order to be eligible.

    Credit score must be at least 640 to qualify for Home Depot’s store credit card.

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

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

    The hard credit checks that are required in order to establish your eligibility for the store credit card may cause credit scores to fall by as much as 5 to 10 points if you fail to pass.

    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.

    To avoid rejection of your application, applicants should make sure that there are no credit freezes or other credit blockages.

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

    What Benefits Come With A Home Depot Store Credit Card?

    Home Depot’s basic credit card offers a 0% initial rate with a rising annual APR rate. Additional benefits depend on how you use the card.

    Customers can also get credit cards specifically designed for the purpose of project loans. Cardholders have the option to repay the entire amount in a fixed time period, similar to a credit line with a limit of $55,000 and a balance cap.

    Home Depot is an online retailer that accepts American Express. You can also find information about whether Home Depot offers ‘Buy Now, Pay Later’ and PayPal.

  • Conclusion
  • Home Depot has one of three credit bureaus that determine eligibility for store credit cards applicants.

    Home Depot uses random selections of Equifax, Experian or TransUnion financial data to provide applicants with their financial information.

    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 relies on the Equifax Credit Bureaus, Experian Credit Bureaus, and TransUnion Credit Bureaus of the United States to determine if a customer is eligible for a store card. Home Depot automatically chooses one of these credit cooperatives for credit verification upon customer application.

    Home Depot What Credit Reporting Company does it 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. Dec 15, 2021

    Does Home Depot Do A Hard Credit Check?

    Yes. The Home Depot Credit Card checks your credit history. It will require a credit score at least 640 in order to obtain it. This is similar to what store cards need. It is impossible to be prequalified for Home Depot Credit Card. June 25, 2020

    Home Depot reports to all 3 credit bureaus

    Home Depot(r) Credit Card provides credit reporting to all three major credit bureaus within days following the cardholder’s last monthly billing period. 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)

    See also  What Credit Bureau Does Lowe'S Use

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