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.

  • You might wonder: What credit bureau uses Home Depot? 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)

    Home Depot uses what credit bureau in 2022

    Home Depot mostly uses Equifax credit bureaus Experian and TransUnion in the United States when checking customer applicants for a store-credit card. Home Depot will select one credit union to conduct a credit check upon customer application. A customer must have a credit score at the minimum of 640.

  • Read on for more information on Home Depot’s credit bureaus, the process of credit checking for a Home Depot store credit card, the credit score needed to be eligible, and much more!
  • Home Depot provides 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 companies have credit cards:

  • Home Depot Consumer Credit Card
  • The Project Loan Card
  • The Commercial Revolving Charge Card
  • The Commercial Account Card
  • Applicants will require their Social Security number, contact information, and other personal details, and need to meet eligibility requirements to be successful.

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

    Home Depot uses which credit bureaus for its store credit card

  • Home Depot’s automated credit system will process your credit card application, and pass on your financial data to one of the major credit bureaus.
  • 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.

    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 Will Do A Hard Credit Verification?

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

    For a credit bureau, this means that you must submit your social security information and personal details to determine your current 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 a certain 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.

    A credit score of approximately 640 is required to apply for the Home Depot Store Credit Card.

    Are You able to obtain the Home Depot Credit Card easily?

    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.

    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)