What Credit Bureau Does Home Depot Use? (All You Need To Know) 

Along with low pricing, Home Depot allows customers to apply for a store credit card with various benefits and exclusive sale prices.  

But you might be wondering: what credit bureau does Home Depot use? I did some research into the subject, and here is everything I discovered! 

What Credit Bureau Does Home Depot Use? 

Home Depot predominantly uses the Equifax, Experian, and TransUnion credit bureaus in the United States to check customer application eligibility for a store credit card. The Home Depot system will automatically select one of these credit unions to pass a credit check through upon application. Typically, customers need a credit score of at least 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! 

Does Home Depot Offer A Store Credit Card? 

Yes, Home Depot offers customers a store credit card 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 company credit cards are currently available: 

  • The 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 must meet eligibility requirements to succeed. 

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

Home Depot’s automated system will accept your credit card application and then pass your financial information off to one of three major credit bureaus for the check to be completed 

Either EquifaxExperian, or TransUnion will be randomly selected by the Home Depot credit card services system for the credit check. 

According to Home Depot, there is no way to determine which credit bureau the system will send the applicant’s details to for the credit check to be completed. 

Furthermore, the Home Depot store credit card is issued through Citigroup bank, which also relies on Equifax, Experian, and TransUnion for quality checks. 

Does Home Depot Do A Hard Credit Check? 

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

Home Depot must determine the eligibility of all store credit card applicants, so the company does perform a hard credit check. 

This involves submitting your personal details and Social Security information for a credit bureau to determine 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 Score Does Home Depot Require?

What Credit Score Does Home Depot Require

Like most other store credit cards available, such as Lowe’s or Target, the Home Depot credit card does require its applicants to have a satisfactory preliminary credit score to be successful. 

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. 

Is The Home Depot Credit Card Hard To Get? 

While the Home Depot credit card is not necessarily difficult to obtain, given that you have the appropriate information and an adequate credit score, it can affect your credit negatively. 

Completing a hard credit check to determine your eligibility for this store credit card can cause some applicants’ credit scores to decrease by around 5 to 10 points if 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. 

Applicants should ensure that any freezing or blockages to their credit are removed prior to applying for this store credit card, to avoid denial of the application. 

What Benefits Come With A Home Depot Store Credit Card? 

Home Depot’s base credit card gives an initial 0% interest rate, with a scaling annual APR rate depending on use. Other benefits vary depending on usage. 

Customers can also get a credit card specifically for project loans. Akin to a line of credit with a balance cap of $55,000, cardholders can repay the amount over a finite period. 

If you are looking to learn more about shopping at Home Depot, 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.


Home Depot employs one of three main credit bureaus to determine the eligibility of the company’s store credit card applicants.  

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

Applicants also have no way of knowing which credit bureau the system will choose for determining their eligibility. 

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of QuerySprout.com.

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