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

Home Depot may ask you: Which credit bureau do they use? The subject was a topic I researched and this is all I came up with!

Home Depot Will Use 2022 Which Credit Bureau?

Home Depot primarily uses Equifax, Experian and TransUnion credit bureaus to verify customer eligibility for store credit cards. Home Depot systems will automatically determine which credit unions are eligible to be used for credit checks. Customers need to have at least 640 credit points.

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 has a store credit card

Yes, Home Depot does offer customers a store credit card that they can apply for.

By filling out the application either through the credit card services portal at HomeDepot.com, or in-store at your local Home Depot. The following companies have credit cards:

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.

Home Depot Which Credit Bureaus Use Its Store Credit card?

Home Depot’s automatic system will approve your credit card request and forward your financial information to one the three credit bureaus.

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, which issues Home Depot credit cards, also relies upon Equifax, Experian and TransUnion to ensure quality.

Does Home Depot Do A Hard Credit Check?

Home Depot checks all credit applications.

Home Depot is responsible for verifying the creditworthiness of any store credit card applicant.

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

Home Depot warns customers that they cannot apply for the store credit card before applying. Customers must also pass the credit checks.

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.

What is the easiest way to apply for The Home Depot Credit Card

Although the Home Depot credit cards are not difficult to get, if you have sufficient credit scores and the right information, they can negatively impact your credit.

Completing a hard credit check to determine your eligibility for this store credit card can cause some applicant’s credit scores to subsequently decrease by around 5 to 10 points should it be unsuccessful.

The serious credit nature of this card means that any interested customers should be confident in their eligibility before applying for the Home Depot credit card, and should not be applied for on a whim.

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)