Home Depot opened personal acct instead of business acct

[Anonymous]

3 years ago we purchased property and needed materials for remodeling. I went to HD and applied for a an cc and apparantly they opened a personal acct instead of a business acct.  Then they turned around and gave me a business card along with the personal card after I complained of what had happened and they put it on my personal as well, but it is a business card.  Is there any way to have them move this to my business and get it off of my personal credit report? The personal card has a $10,000 LOC and is carrying a balance of deferred pmts and a revolving balance.  The business card has a zero balance.  This is GREATLY impacting my personal score.

Help would be greatly appreciated.

TIA,

Bridgett

[Anonymous]

what happened when you asked to speak to an underwriter?

[Anonymous]

I never asked to speak to an underwriter.  Now they've closed this account with a remaining balance.  Not sure they'll do anything about it now.  Any suggestions would be greatly appreciated.

[Anonymous]

Seems you may have upset someone down the line I wish you all the best in getting this worked out.

[haulingthescoreup]

OP, I'm scratching my head on this one. Yes, it's a business credit question, but even moreso, it's a question of incorrect reporting of the account that you originally applied for.

I don't know if anyone will come up with a fix for you, but I'm thinking that this post might do better on General Credit Topics or possibly Rebuilding Your Credit. Both boards are full of folks who know how to challenge junk like this on your reports.

If you would like to have this post moved to another forums where it might have some more views, just post back here with a request. The next mod who comes by can move it for you.

[Anonymous]

budsnberries, what is the legal structure of your business?  Are you incorporated or a sole proprietor?

If you're a sole proprietor, you can expect to see a business card account on your personal reports.  If you are not a sole proprietor, then...

Seems like the question you have is "How do I get HD to move this balance from my personal account to my business account?"  I may be wrong, but I think you're stuck with it on the personal account...that's the one you used for the charges, perhaps because of the deferred payments and such.

Sorry.