How to Remove THD/CBNA From Your Credit Report

Seeing THD/CBNA on your credit report can be confusing, but it usually ties back to The Home Depot and Citibank. Here’s what it means, how it affects your credit score, and what steps you can take to remove it if needed.

What Is THD/CBNA on Your Credit Report?

THD/CBNA stands for The Home Depot and Citibank North America. This code appears on your credit report when you apply for a Home Depot credit card. Citibank issues several versions, including:

• The Home Depot Consumer Credit Card
• The Home Depot Commercial Account

These cards allow you to finance purchases or access special promotions at The Home Depot.

When you apply, Citibank runs a hard inquiry on your credit report. That inquiry gets recorded as THD/CBNA.

Why THD/CBNA Shows Up on Your Credit Report

There are a few reasons you might see THD/CBNA on your credit report:

• You applied for a Home Depot credit card: A hard inquiry from Citibank is part of the application process, whether you were approved or denied.
• You were added as an authorized user: In some cases, if you’re listed as an authorized user on someone else’s Home Depot card, it could appear on your credit report.
• You already have a Home Depot account: Active accounts may also report under THD/CBNA, showing details like your balance, credit limit, and payment history.
• There was an account update: Credit limit increases, balance changes, or other account adjustments can trigger updates that appear on your report.

In most cases, THD/CBNA is linked to a hard inquiry from applying for the card.

How THD/CBNA Inquiries Affect Your Credit Score

Hard inquiries can temporarily lower your credit score. Typically, the drop is minor—just a few points—but multiple hard inquiries within a short timeframe can make lenders cautious.

Here’s what to keep in mind:

• Hard inquiries stay on your credit report for two years
• The credit score impact is most noticeable in the first few months
• Too many inquiries can make it harder to qualify for new credit

If you’re applying for loans or other credit soon, space out applications to avoid multiple inquiries stacking up.

How Long THD/CBNA Stays on Your Credit Report

THD/CBNA hard inquiries remain on your credit report for two years. The initial credit score dip fades over time, and after 24 months, the inquiry falls off automatically.

If you’ve been approved for a Home Depot credit card, the active account will stay on your report as long as the account remains open, reporting your payment history and balance information.

What to Do About Unauthorized THD/CBNA Inquiries

If you see THD/CBNA on your credit report and you didn’t apply for a Home Depot credit card, it could be a reporting error or a sign of fraud.

Here’s how to handle it:

• Contact Citibank North America: Ask for details about the inquiry. They can tell you whether it’s connected to your information and why it appeared.
• Document the details: Keep records of who you spoke with, the date, and what was discussed in case you need to reference it later.
• Dispute the inquiry with the credit bureaus: If the inquiry was unauthorized or made in error, file a dispute with Equifax, Experian, and TransUnion to have it removed.
• Monitor your credit: Check your credit regularly for signs of unauthorized activity or suspicious changes.

You can get free copies of your credit reports at AnnualCreditReport.com to stay on top of any issues.

Can You Remove THD/CBNA From Your Credit Report?

If the inquiry was legitimate, it cannot be removed early—it will stay for two years. But if the inquiry was unauthorized or incorrect, you can dispute it with the credit bureaus and request removal.

Credit repair companies can also assist with the process, especially if you’re dealing with multiple negative marks.

Get Help Removing Inquiries and Negative Items

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If negative marks or inquiries like THD/CBNA are hurting your credit, you don’t have to handle it alone. Start with a free consultation from Credit Saint and see how they can help you work toward better credit.

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