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Home Depot/Citi Minimum Score?

Established Contributor

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

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
6 REPLIES
Frequent Contributor

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.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 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 $5000, 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 $7800
Senior Contributor

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

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.



EQ FICO 548 3/3/16
Established Contributor

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

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

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.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |