How to Remove THD/CBNA From Your Credit Report

THD/CBNA on your credit report is the code that appears when Citibank North America runs a hard inquiry for a Home Depot credit card application. THD stands for The Home Depot, and CBNA stands for Citibank North America. You may also see this listed as Home Depot CBNA, depending on how your credit bureau displays it. Both codes refer to the same inquiry.

If you’ve recently applied for a Home Depot credit card or project loan, this entry is expected. If you don’t recognize it, here’s what you need to know.

What Is THD/CBNA on Your Credit Report?

THD/CBNA is the credit bureau code identifying a Citibank North America hard inquiry tied to a Home Depot credit card application. Citibank issues multiple Home Depot credit products, including the Home Depot Consumer Credit Card for personal use and the Home Depot Commercial Account for contractors and businesses.

This entry can appear on your credit report in more than one way depending on your history with the card:

• Hard inquiry: The most common reason. Applying for any Home Depot credit product triggers a Citibank credit check recorded as THD/CBNA.
• Active account tradeline: If you were approved and hold an open account, it appears on your credit report monthly with your balance, credit limit, and payment history.
• Authorized user entry: If someone added you to their Home Depot account as an authorized user, the account may appear on your credit report as well.

Why THD/CBNA Appears on Your Credit Report

A Home Depot credit card application is the most common trigger. Here’s how it typically comes up:

• In-store application: Home Depot regularly promotes their credit card with financing incentives on large purchases. Many customers apply at checkout or the service desk without fully thinking through the credit check that follows.
• Online application: Applying through the Home Depot website generates the same Citibank hard inquiry as an in-store application.
• Project loan application: The Home Depot Project Loan is a separate financing product for larger renovation budgets that also runs through Citibank and generates this entry.
• Unauthorized application: If someone used your personal information to apply for a Home Depot credit product without your knowledge, the hard inquiry still appears on your credit report.

How THD/CBNA Affects Your Credit Score

A single hard inquiry from Citibank causes a small dip in your credit score, typically just a few points. That’s not a meaningful concern on its own. The impact compounds when multiple hard inquiries appear within a short period, which can make lenders more hesitant about approving future credit applications.

The effect on your credit score fades significantly after the first few months and becomes negligible well before the entry drops off your credit report.

How Long THD/CBNA Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, display the entry during that window. Once the two years are up, it drops off automatically.

If you have an active Home Depot credit account, that account stays on your credit report as long as it’s open and for up to 10 years after closing in good standing.

What to Do If You Don’t Recognize the THD/CBNA Entry

An unfamiliar THD/CBNA entry on your credit report is worth investigating. Here’s how to handle it:

• Contact Citibank directly: Ask them to confirm what product was applied for, when the inquiry was pulled, and whether an account was opened as a result. Keep a record of who you spoke with and what was discussed in case you need to reference it later.
• Dispute with the credit bureaus: If Citibank cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: A fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

Citibank North America Contact Information

If you need to reach Citibank North America to ask about a THD/CBNA inquiry, here is their contact information:

Phone: (800) 950-5114

Mailing Address: Citibank North America, P.O. Box 6500, Sioux Falls, SD 57117

Bottom Line

THD/CBNA on your credit report is a Citibank North America hard inquiry tied to a Home Depot credit card or project loan application. If you recognize the application, the entry is legitimate and will age off your credit report after two years.

If you don’t recognize it, contact Citibank to find out what triggered it and dispute the entry with the credit bureaus if you can’t verify it was authorized. A home improvement store card inquiry might feel minor, but an unauthorized one always deserves follow-up before it points to a larger problem.