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.

  • Home Depot may ask you: Which credit bureau do they use? This is what I learned after I conducted some research.
  • What Credit Bureau Does Home Depot Use In 2022? (Guide)

    What Credit Bureau Does Home Depot Use In 2022?

    Home Depot uses the Equifax and Experian credit bureaus in America to check customer eligibility for a store card. Home Depot automatically chooses one of these credit institutions to perform a credit screening upon request. Typically, customers need a credit score of at least 640.

  • More information is available on Home Depot’s credit agencies, credit check for Home Depot store cards, credit scores, eligibility, and many other topics.
  • Home Depot has a store credit card

    Home Depot customers can apply for a store credit cards.

    The application can be completed online through’s credit card portal or in person at your local Home Depot. The following company credit cards are currently available:

  • Home Depot Consumer Credit Card
  • Project Loan Card
  • The Commercial Resvolving Credit 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 What Credit Bureaus Do They Use for Their Store Credit Card?

  • Home Depot’s automated systems will accept credit card applications. Then, they will pass financial information on to any of three major credit agencies for the final check.
  • Home Depot credit card service system will randomly choose one from Equifax, Experian, and TransUnion as the credit check.

    Home Depot says it is impossible to know which credit bureau will be sending the details of the applicant for credit checks to take place.

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

    Home Depot Will Do A Hard Credit Verification?

    Home Depot checks all credit applications.

    Home Depot must assess the financial eligibility of every applicant to a store credit card.

    This involves submitting your personal details and Social Security information for a credit bureau to carry out its determination on your 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.

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

    Home Depot Needs What 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.

    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?

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

    A hard credit check can be required to verify your eligibility to apply for this credit card. If unsuccessful, it could cause credit scores of some applicants to drop by 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.

    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)

    The Home Depot Store Credit card offers many benefits.

    Home Depot offers a base credit card with an initial interest rate of 0% and a scaled annual APR rate based on usage. Other benefits will vary depending upon usage.

    A credit card can be obtained by customers for specific purposes, such as 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’s credit card system selects randomly from Equifax and TransUnion to send 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 predominantly uses the Equifax, Experian, and TransUnion credit bureaus in the United States for checking the eligibility of customer applications for a store credit card. Home Depot systems will automatically determine which credit unions are eligible to conduct credit checks upon your 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

    Home Depot does a hard credit check?

    Yes. Home Depot Credit Card will conduct a credit pull. For this card to be granted, your credit score must not exceed 640. That is the same as what many store cards require. There is no way to pre-qualify for the Home Depot Credit Card. Apr 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 credit limit, balance, payments history and other information to all three major credit agencies: TransUnion Equifax, Experian and Equifax. December 9, 2021

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

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