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 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!

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.

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.

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)