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What is Home Depot CBNA on My Credit Report?

Did you apply for a Home Depot credit card, loan, or credit account? If so, there could be a hard inquiry from Home Depot CBNA on your report.

Whenever you apply for funding, you can expect a hard credit check.

Unfortunately, hard inquiries sometimes happen without your consent, due to reporting errors and identity theft.

Home Depot CBNA On My Credit Report

Home Depot CBNA is the credit reporting code for Home Depot Citibank North America.

When you apply for a card or loan from The Home Depot, you’re actually applying with Citibank.

Citi is a massive provider of retail credit cards and accounts. They partner with The Home Depot and dozens of other popular companies.

Your report could feature a hard inquiry from Home Depot CBNA. It would show up if you applied for any one of the following products:

  • Credit Card
  • Commercial Revolving Charge Card
  • Commercial Account
  • Project Loan

Even if you didn’t apply for a card, account, or loan for yourself, your credit could undergo a hard inquiry if you agreed to be authorized on someone else’s account.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How Do Hard Inquiries Work?

Credit checks allow prospective lenders, banks, employers, and landlords to see your credit reports.

So your credit report can paint an accurate picture of how you’ve used credit in the past, and this is a good indicator of how you might use it in the future.

Because your score and various components of your credit report can play a significant role in determining whether you get approved or not.

To explain further, there are essentially two kinds of inquiries: soft and hard credit inquiries.

The former happens when you check your score, pre-qualify for financing, and in some cases, apply for a new apartment or job.

So this kind of inquiry has virtually no effect on your credit, leaving your score untouched and staying off your report.

But hard inquiries are a bit more extensive. Because they grant creditors access to your full credit reports, and they’re required any time you apply for funding.

A hard inquiry should only reduce your score by a couple of points. But it will stay on your report for 2 years.

So depending on how many reports a lender chooses to factor into its approval process, any or all of your credit reports could be affected.

While credit inquiries are to be expected on your report, be careful not to submit too many applications. Several inquiries can add up to do more significant damage to your score and creditability.

Before you apply for a credit card in the future, take a second to review its approval requirements.

How to Get Home Depot CBNA Removed from Your Credit Report

Seeing your credit score drop, even by a few points, can be unpleasant. But hard inquiries are par for the course when you apply for new credit.

As such, you aren’t likely to succeed at getting a legitimate hard inquiry off your report.

However, if you didn’t apply for financing of any kind from The Home Depot or agree to be an authorized user, you have a right to get the entry deleted from your report.

Mysterious hard inquiries can sometimes be due to reporting errors, but they could also be a sign of identity theft.

Either way, read on to see how you can get a hard inquiry off your report.

File a Dispute with Citi and the Bureaus

The Fair Credit Reporting Act protects you from inaccurate or fraudulent reporting issues, allowing you to dispute questionable entries on your report.

When you file a dispute with a credit bureau, they have 30 days to investigate your claim. If the bureau finds that the inquiry on your report is there in error, it should be deleted promptly.

In addition to contacting the bureaus, it can also be helpful to contact Citibank, as it is the original source of the inquiry.

The bank could provide you with relevant details about the application and inquiry, which could be crucial to getting it removed.

Along with getting the inquiry deleted, you might also want to place a credit freeze on your reports and a fraud alert to prevent the identity thief from doing further damage.

Quick Tip: Sign up for a free credit monitoring app to stay alert to changes to your credit. You can get personalized advice for improving your credit, along with frequent score updates and account alerts.

You should also review your credit report each year, as you are granted one free copy from

Get a Free Copy of Your Credit Report Here>>

Pay for Credit Repair

Dealing with one hard inquiry might not be the most daunting task. But if it’s only one element of your credit issues, it might be time to call in the experts.

Credit repair companies are trained to quickly identify the issues bringing down your credit score and craft a plan to improve them.

That includes going to bat for you with the credit bureaus and banks like Citibank if they report inaccurately.

Moreover, they can be a major asset when it comes to dealing with more tedious credit problems, such as:

If you’re feeling overwhelmed at the prospect of improving your credit, take a look at what the best credit repair companies have to offer.

The level of customer service and quality results you get could be well worth the money.

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Dealing with Home Depot CBNA

You should always take a closer look at hard inquiries and other entries that get added to your credit report.

If you don’t recall ever agreeing to a hard inquiry from The Home Depot, getting them off your credit report should be a simple process.

But if you did apply for a card or credit account from the popular retailer, there’s nothing to worry about.

A hard inquiry is only a small component of your credit score, and it won’t even be on your report two years from now.

If you’re looking to improve your score, try to use your credit wisely. That means making your payments on time, keeping your credit utilization low, and using a variety of credit accounts responsibly.


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