Reply
Established Contributor
chan85
Posts: 554
Registered: ‎03-13-2011
0

Home Depot/Citi Minimum Score?

Just closed on my house end of last month and have some projects I want to get done around the house. Nothing too big (crown molding, painting, replace some tile in one of the bathrooms, and eventually want to landscape the backyard but can wait on that), but can't find any info on what their min scores are.

 

Any one have any insight? I am scared Citi has me blacklisted, I had a student card they closed on me back in college ($500 limit) but I paid it off in full.

 

Would be great if they had a preapproval site I could go to. I just opted back in since the mortgage process is done, so maybe I will get a preapproval letter in the mail in a few weeks :smileyhappy:

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Frequent Contributor
wreith
Posts: 460
Registered: ‎06-13-2012
0

Re: Home Depot/Citi Minimum Score?

check out www.whogavemecredit.com you'll find a list of people who have applied and what there scores were.

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010
0

Re: Home Depot/Citi Minimum Score?


chan85 wrote:

Just closed on my house end of last month and have some projects I want to get done around the house. Nothing too big (crown molding, painting, replace some tile in one of the bathrooms, and eventually want to landscape the backyard but can wait on that), but can't find any info on what their min scores are.

 

Any one have any insight? I am scared Citi has me blacklisted, I had a student card they closed on me back in college ($500 limit) but I paid it off in full.

 

Would be great if they had a preapproval site I could go to. I just opted back in since the mortgage process is done, so maybe I will get a preapproval letter in the mail in a few weeks :smileyhappy:


I don't think they blacklist for store cards.

 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Home Depot/Citi Minimum Score?

@Wolf I think they do. My CO was a store card but I'm not 100% sure I'm blacklisted.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
chan85
Posts: 554
Registered: ‎03-13-2011
0

Re: Home Depot/Citi Minimum Score?


Wolf3 wrote:

chan85 wrote:

Just closed on my house end of last month and have some projects I want to get done around the house. Nothing too big (crown molding, painting, replace some tile in one of the bathrooms, and eventually want to landscape the backyard but can wait on that), but can't find any info on what their min scores are.

 

Any one have any insight? I am scared Citi has me blacklisted, I had a student card they closed on me back in college ($500 limit) but I paid it off in full.

 

Would be great if they had a preapproval site I could go to. I just opted back in since the mortgage process is done, so maybe I will get a preapproval letter in the mail in a few weeks :smileyhappy:


I don't think they blacklist for store cards.

 


Blacklist for defaulting period, or blacklist for defaulting on a store card?

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010
0

Re: Home Depot/Citi Minimum Score?

I settled charge off on a CITI card (not a store card)  from 2008.   Settled for less than full.

 

Citi approved me for a BigO tires store card last month and bumped it from intial $1000 to $2100 when I called.  I am pretty sure, it prompted a mail offer for HomeDepot, which I just got.

 

 

Valued Contributor
j_casteel
Posts: 1,906
Registered: ‎06-21-2012
0

Re: Home Depot/Citi Minimum Score?


Wolf3 wrote:

I settled charge off on a CITI card (not a store card)  from 2008.   Settled for less than full.

 

Citi approved me for a BigO tires store card last month and bumped it from intial $1000 to $2100 when I called.  I am pretty sure, it prompted a mail offer for HomeDepot, which I just got.

 

 


cool, I had a Home Depot card back in 2007 with a paid CO of ~$500. I'm wanting to possibly get one again some day as well.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}