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Established Contributor
Posts: 554
Registered: ‎03-13-2011
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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 Smiley Happy

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Frequent Contributor
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Registered: ‎06-13-2012
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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.

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Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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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 Smiley Happy


I don't think they blacklist for store cards.

 

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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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.



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Established Contributor
Posts: 554
Registered: ‎03-13-2011
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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 Smiley Happy


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
Posts: 3,197
Registered: ‎01-24-2010
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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.

 

 

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Registered: ‎06-21-2012
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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.

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