Why is THD/CBNA on My Credit Report? Here’s What You Need to Know
THD/CBNA appears on your credit report when you apply for a Home Depot credit card or become an authorized user. Authorized inquiries stay for two years with minimal credit impact, but unauthorized entries require immediate action to prevent identity theft and protect your financial future.
Answer Your LawsuitTHD/CBNA appears on your credit report when you apply for a Home Depot credit card. The acronym stands for The Home Depot/Citibank North America. You might also see it written as CBNA/THD.
Understanding this code helps you protect your credit. You need to know when it should appear and when it signals trouble.
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Respond to LawsuitWhat Does THD/CBNA Mean?
Home Depot partners with Citibank North America to issue credit cards. When you apply for one of their cards, Citibank checks your credit history.
The three main cards that trigger this inquiry are:
- The Home Depot Commercial Revolving Charge Card
- The Home Depot Consumer Credit Card
- The Home Depot Commercial Account
You might also see THD/CBNA if someone adds you as an authorized user. In that case, the account appears on your credit report automatically.
Hard Inquiries vs. Soft Inquiries
What is a Hard Credit Inquiry?
A hard inquiry happens when lenders check your credit after you apply. They review your payment history and any negative marks. Your credit score drops slightly with each hard inquiry.
Lenders use hard inquiries to decide if you qualify. Bad credit history can lead to denial or higher interest rates.
What is a Soft Inquiry?
Soft inquiries occur when you check your own credit. They also happen during prequalification offers. Soft inquiries appear on your report but don’t affect your score.
Home Depot might run a soft inquiry when you explore card options. Only the actual application creates a hard inquiry.
How Long Does THD/CBNA Stay on Your Report?
The inquiry remains visible for two years from the application date. A single inquiry typically drops your score by less than five points.
The impact decreases over time. Your score recovers faster if you maintain good credit habits. Multiple inquiries within a short period cause more damage.
Can You Remove a THD/CBNA Hard Inquiry?
You cannot remove legitimate inquiries before two years pass. The inquiry stays on your report if you authorized the application.
However, unauthorized inquiries are different. You can and should dispute them immediately. Fraudulent inquiries damage your credit and signal identity theft.
Signs of Unauthorized Inquiries
Watch for THD/CBNA entries if you never applied for a Home Depot card. Also check if you’re not an authorized user on anyone’s account.
Unauthorized inquiries require immediate action. Identity thieves may have stolen your information. You need to act fast to protect your finances.
Steps to Remove Unauthorized THD/CBNA Inquiries
Contact Citibank First
Call Citibank to get details about the inquiry. Request information about who authorized the credit check. Compare the applicant’s details with your own information.
Look for mismatches in your name, Social Security Number, or address. If Citibank made an error, they must notify all three credit bureaus. They need to request removal from Equifax, Experian, and TransUnion.
Report Identity Theft
Visit the Federal Trade Commission website to file a report. Document everything related to the suspected fraud.
File a police report if you’ve experienced theft or burglary. Local law enforcement documentation strengthens your case with credit bureaus.
Freeze Your Credit
Request credit freezes from all three bureaus immediately. Freezing prevents thieves from opening new accounts in your name.
You can still access your own credit report. New creditors cannot pull your credit without your permission.
Set Up Fraud Alerts
Credit bureaus offer free fraud alerts for one year. These alerts notify you of suspicious activity on your accounts.
Renew your fraud alert after it expires. Continued monitoring protects you from future fraud attempts.
Dispute the Inquiry
File disputes with Equifax, Experian, and TransUnion. Each bureau must investigate your claim within 30 days.
If they cannot verify the inquiry’s legitimacy, they must remove it. Provide all documentation from Citibank and the FTC.
Understanding Authorized User Status
You might see THD/CBNA if someone added you as an authorized user. Being an authorized user can help your credit score.
The account activity appears on your report. You benefit from on-time payments without paying the debt yourself.
Risks of Being an Authorized User
High credit utilization hurts your score too. Late payments from the primary cardholder damage your credit.
You can ask Citibank to remove your authorized user status. Contact them directly to end the arrangement. The credit bureaus will remove the account from your report.
What If Home Depot or Citibank Sues You?
Ignoring a lawsuit guarantees you’ll lose. Nearly 90% of consumers lose debt lawsuits by default.
Default judgments lead to wage garnishment and bank levies. You must respond to protect your income and assets.
Our partner Solo helps you respond to debt lawsuits quickly. You can draft your Answer in minutes and file it properly.
Your Rights When Facing a Lawsuit
You have the right to dispute the debt amount. Creditors must prove you owe the money they claim.
Filing an Answer forces them to provide evidence. Many debt collectors cannot prove their case with proper documentation.
Protecting Your Credit Score
Monitor your credit reports from all three bureaus regularly. You’re entitled to free annual reports from each bureau.
Dispute errors immediately when you find them. Small mistakes can cost you hundreds of points.
Keep your credit utilization below 30% of available limits. Pay all bills on time every month. Good habits outweigh the temporary impact of hard inquiries.