If you’ve spotted “Home Depot CBNA” on your credit report and don’t remember applying for anything, you’re not alone. This entry typically relates to a Home Depot credit card application through Citibank. But even if it’s legitimate, it could be affecting your credit score more than you think.
What Home Depot CBNA Means on Your Credit Report
“Home Depot CBNA” stands for Home Depot Citibank North America. It shows up on your credit report when you apply for a Home Depot credit card that’s issued by Citibank. You might also see it listed as “THD/CBNA.”
Why It Appears on Your Credit Report
This entry shows up because of a hard inquiry—a credit check Citibank performs when you apply for the Home Depot credit card. Hard inquiries are part of the approval process for most credit cards and loans.
How Hard Inquiries Like Home Depot CBNA Affect Your Credit Score
Hard inquiries usually have a small impact on your credit score—often around five points or less. That said, having too many in a short time can start to look like a red flag. Lenders might assume you’re desperate for credit, which could work against you when applying for future loans.
How Long the Inquiry Stays on Your Credit Report
A hard inquiry from Home Depot CBNA can remain on your credit report for up to two years. It may affect your credit score for about 12 months, but it stays visible to lenders for the full duration. Even if your application was denied or you changed your mind, the inquiry still stays on file.
What to Do If You Don’t Recognize the Inquiry
If you never applied for a Home Depot credit card, or if you suspect someone used your information without permission, take action right away:
- Check all three credit reports: Look at your credit reports from Equifax, Experian, and TransUnion to confirm the inquiry shows up across the board.
- Call Citibank: Ask them to confirm whether an application was submitted in your name.
- Report identity theft: If you suspect fraud, consider placing a freeze or fraud alert on your credit files and report it to the Federal Trade Commission.
- Dispute the inquiry: You can dispute unauthorized inquiries directly with the credit bureaus.
How to Remove Home Depot CBNA From Your Credit Report
If the inquiry is incorrect or you didn’t authorize it, you have a right to dispute it. You can contact the credit bureaus yourself—or work with a professional credit repair service to help speed things up.
Credit Saint is one option worth considering. They work with people to challenge and remove inaccurate items from credit reports, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
They even offer a 90-day money-back guarantee, so you can get started with confidence.
Ready to Clean Up Your Credit?
A single hard inquiry won’t wreck your credit score, but if you’re dealing with other negative marks, now is the time to take control. Credit Saint offers a free consultation to help you understand what’s on your credit report and what can be done about it.
You’ve got nothing to lose—and possibly a lot of points to gain. Visit their website to get started.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
