What Credit Bureau Does Home Depot Use? (all You Need to know) 

The promotion allows customers to have a good experience by shopping at Home Depot and applying for a store credit card that gives a variety of benefits and exclusive sale prices.

I started researching the credit check companies and how it is possible that Home Depot uses one of them. The credit check companies are used to check if the person who is using the credit is approved or not approved. Some of them have a lot of problems. I found out that Home Depot uses one of those companies. It is called Equifax. It works great.

What Credit Bureau Does Home Depot Use In 2022? 

Home Depot customers can use a home equity loan to finance your home improvement project using credit cards.

[How to do home improvement?]: Home Improvement is a way for homeowners to make their homes or projects look better without doing a ton of work. You can improve your homes exterior, interior or landscaping with a home improvement project.

In order to get the best deals, customers need to understand the requirements for credit checking and what kind of credit bureaus Home Depot uses.

Does Home Depot Offer A Store Credit Card? 

However, the majority of customers do not apply for this card because it requires a minimum spend of $1,000, which is above the average consumer’s monthly budget.

You can use the Home Depot eGift Card for the purchase of an energy management device, service or rebate at any of our retail stores, or over the phone with a customer service representative.

Applicants will need to provide their Social Security number, contact information and other personal details and will be required to meet eligibility requirements to be successful.

What Credit Bureaus Does Home Depot Use For Its Store Credit Card? 

What Home Depot’s automated system will do is allow you to enter credit card information and then pass to credit bureaus for the checks to be completed.

The credit check will be performed by either Equifax, Experian, or TransUnion – we don’t know who will do it yet.

There is no way to find out which of the 3 credit bureaus will be used for the credit check, and since Home Depot is not in any position to know what happened to the applicants request.

If any of the three companies experience major data breaches or otherwise misbehave, Citigroup can be held liable.

Does Home Depot Do A Hard Credit Check? 

This process also includes a verification of current addresses.

Home Depot will take an interest in their credit applications, and so the company does perform a hard credit check.

A credit bureau will look at your credit report and will confirm whether you are current or not on a variety of loans including utilities, car insurance, credit cards, etc.

The store has made it very clear, they must do a full background check on the potential customer before allowing them to use their store credit cards at their stores.

What Credit Score Does Home Depot Require?

Even though other store credit cards are available, the Home Depot credit card does not accept applicants without a satisfactory preliminary credit score to be successful.

You need to establish a credit score of around 640 points to qualify for the Home Depot store credit card.

Is The Home Depot Credit Card Hard To Get? 

The Home Depot credit card is not difficult to apply for, because you have the appropriate information and an acceptable credit score.

In order to complete a hard credit check to determine the eligibility of this store credit card, your credit scores are going to fluctuate by around 5 to 10 points if it is unsuccessful.

The card issuer requires you to have some sort of reliable credit history. This could be an existing credit card or a credit card that you have with a bank.

Applicants must ensure that any financial blockages on their credit are resolved prior to applying for this store credit card, in order to avoid denial of the application.

What Benefits Come With A Home Depot Store Credit Card? 

Home Depot has a base credit card that gives no annual interest. The interest rate depends on your usage. Other benefits vary depending on usage.

It is similar to a credit card, but with a balance limit. You can have it for a specific project, and it’s up to you to pay back the amount. You can spend what you owe until the end of the project.

If you are looking to learn more about a home improvement store, you might also be interested in reading up on whether or not Home Depot accepts American Express, if Home Depot accepts ‘Buy Now Pay Later’ services, and if Home Depot accepts PayPal.


After a home improvement chain started to hire ex-employees of Home Depot, the company started to ask new applicants whether they had been fired for “any reason” and denied new applicants if the applicants had ever been fired.

The Home Depot’s credit card service system randomly selects from Equifax, Experian, and TransUnion for applicants’ financial information to be sent to.

Although an applicant can’t know which credit bureau will be used to determine their eligibility, the system will always use whichever credit bureau is available.

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I have always been a shopaholic. A lot of times my questions went unanswered when it came to retail questions, so I started Talk Radio News. - Caitlyn Johnson

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