Home Depot charge card not on EQ/TU report

[brother7]

I have a Home Depot Commercial Revolving Charge Card (a store charge card, not a Visa/MC credit card).

I've had it around 10 months and make a small purchase around once per quarter, PIF after the statement date. I subscribe to Scorewatch and Quarterly Monitoring and it doesn't show on either report.

Any idea why not?

[cdtotten]

I'm not positive, but I am assuming this is a business card. If so, it's probably not reporting because of this reason.

[Uborrow-Upay]

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@cdtotten wrote:

I'm not positive, but I am assuming this is a business card. If so, it's probably not reporting because of this reason.

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+1

Commercial accounts are business accounts,  and they don't report to personal credit (usually) unless you default.  That account is probably reporting regularly to the business credit reporting agencies (DNB, Experian, etc.).

If you default with that card (and if the card is personally guaranteed, which the HD account probably is), it will report on both business and personal credit reports with the derogatory information, a double whammy!