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 gives customers the possibility to apply for a store card with a host of benefits, including a discount and sale price.

  • However, you may be curious as to which credit bureau Home Depot uses. The subject was a topic I researched and this is all I came up with!
  • Home Depot does offer a Credit Card in Store?

    Home Depot offers customers the option of a credit card for their store.

    Fill out the online application at HomeDepot.com. Or in-store at your 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
  • For eligibility, applicants must provide their Social Security number and contact information.

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

    What Credit Bureaus Does Home Depot Use For 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
  • Home Depot’s credit card system will random select Equifax or TransUnion for credit checks.

    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.

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

    Home Depot Will Do A Hard Credit Verification?

    Home Depot checks all credit 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.

    You will need to submit your Social Security and Personal Information for the credit bureaus to assess your situation.

    Home Depot says that the customer cannot be prequalified for this store credit cards in any manner and they must go through the obligatory credit check.

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

    Home Depot requires a credit score of 550 or higher

    Home Depot’s credit cards require applicants to have good credit ratings to qualify.

    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.

    Some applicants may lose their credit score by having to complete a credit check in order to be eligible for this card.

    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.

    To prevent rejection, applicants must ensure that their credit is clear of any blocking or freezing.

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

    Which Home Depot Store Credit Cards offer the best benefits?

    Home Depot’s credit card base offers an initial 0% rate and then a sliding annual APR rate that varies depending on how much you use it. Other benefits can vary depending on your usage.

    Customers may also be eligible for a project loan credit card. 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 has a lot to offer.

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

    Home Depot randomly chooses applicants financial information from Equifax, Experian and TransUnion.

    The applicants are also unable to know which credit bureau will be chosen by the system for determining eligibility.

    Which bureau is Home Depot using?

    Home Depot primarily uses Equifax, Experian and TransUnion credit bureaus to verify customer eligibility for store credit cards. Home Depot’s credit checking system automatically picks one credit union to be approved for the customer.

    What Credit Reporting Company Does Home Depot Use?

    Home Depot makes use of three major credit reporting agencies: Equifax (Experian), TransUnion and TransUnion. This allows them to identify the customer’s eligibility, then give the customers a store 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?

    The Home Depot Credit Card requires a credit check. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. 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

    Is Home Depot a Credit Bureau?

    The Home Depot(r) Credit Card reports to the credit bureaus monthly, within days after the end of a cardholder’s monthly billing period. Home Depot(r) Credit Card reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian.Dec 9, 2021

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