What Is THD/CBNA on Your Credit Report? (How to Remove/Dispute It)

If you recently checked your credit report and saw THD/CBNA, you’re not alone. Many people spot it and instantly wonder: What is THD/CBNA, and why is it showing up on my credit report? Even more frustrating, it might show up unexpectedly or cause your credit score to shift.

In this post, we break down what THD/CBNA actually means, how it affects your credit score, and what steps you can take if something seems off.

What Is THD/CBNA?

THD/CBNA is short for The Home Depot and Citibank North America. It shows up on your credit report when you apply for or open a Home Depot credit card that is issued by Citibank.

If you recently shopped at Home Depot and either signed up for their store financing or checked your eligibility for a store card, this is probably where the entry came from. Even if you didn’t finish the full application, the inquiry alone may trigger the appearance of THD CBNA on your credit file.

Sometimes the name might show up in slightly different ways, such as

• THD CBNA
• CBNA THD
• CBNA on credit report
• Credit card THD CBNA
• CBNA credit card

They all point back to the same thing; a retail credit card partnership between The Home Depot and Citibank. This card is primarily used for purchases at Home Depot and may offer special financing or project loans for larger purchases.

If you don’t recognize this entry, it doesn’t always mean fraud. It could simply be a hard inquiry from a checkout financing option or an online credit prequalification attempt. Still, it’s smart to double-check your past applications, especially if you weren’t expecting to see CBNA THD on your credit report.

This entry may also appear even if you applied and were denied. Hard inquiries like these can still leave a mark, typically staying on your report for up to two years, although their impact on your score fades within months.

Why Is THD/CBNA on My Credit Report?

Seeing THD/CBNA on your credit report and not recognizing it can be confusing and even a little alarming. But don’t panic just yet. There are a few common and legitimate reasons why it might be there:

1. You Applied for a Home Depot Credit Card

This is the most likely explanation. If you visited a Home Depot store or their website and filled out an application, even just to check your eligibility, that action may have triggered a hard inquiry. That’s what shows up as THD CBNA or CBNA THD on your credit report. Whether you were approved or not, the credit inquiry still gets logged.

2. You Were Pre-approved or Pre-qualified

Some customers receive pre-approved offers or are told they “pre-qualify” for a Home Depot card during checkout. If you accepted one of those offers, it might have led to both a soft pull (which doesn’t affect your credit score) and a hard pull (which does), along with the opening of a new CBNA credit card account. That can explain the sudden appearance of THD/CBNA on your credit report even if you don’t remember formally applying.

3. Identity Theft or Unauthorized Use

If none of this sounds familiar, and you’re sure you didn’t apply for anything through Home Depot or Citibank, it’s possible your information was used without your knowledge. This is rare but not impossible. According to the FTC, identity theft accounted for over 1.1 million fraud reports

Does THD/CBNA Hurt My Credit Score?

It depends on a few key factors:

• If THD CBNA appeared because of a recent hard inquiry, your score might drop by a few points. This dip is usually temporary and not a major concern.
• If you actually opened the Home Depot credit card, it now contributes to your credit utilization and the average age of your accounts. These are important parts of your credit score.
• If payments are missed or you carry a high balance, it can cause more noticeable damage to your score.

On the flip side, responsible use of the card, such as making payments on time and keeping your balance low, can help you build stronger credit over time. It is not the card itself that hurts your score, but how it is used.

How to Remove THD/CBNA From Your Credit Report

If THD CBNA showed up on your credit report and you are sure you didn’t apply for it or give consent, you can take action. Here is how to dispute or remove it:

1. Check All Three Credit Bureaus

Look at your credit reports from Experian, Equifax, and TransUnion. Make sure the THD CBNA entry appears on all of them and check for other errors too.

2. Contact THD CBNA Customer Service

Call to verify if an account was really opened in your name. Phone number: 1 800 677 0232

3. File a Dispute with the Credit Bureaus

Each credit bureau has an online portal where you can submit a dispute.

Be ready to upload any documents that prove your case, like a police report or proof of identity theft.

4. Add a Fraud Alert or Credit Freeze if Needed

If the account wasn’t yours and you suspect fraud, place a fraud alert or freeze on your credit. This makes it harder for anyone to open new accounts in your name without your approval. Removing THD CBNA from your report is possible. But the faster you act, the better your chances of protecting your score and clearing any confusion.

Can I Still Use My THD/CBNA Card During a Dispute?

Yes, you can, but it depends on the situation.

If the THD CBNA account truly belongs to you and you’re only disputing a detail like a reporting error or a balance issue, you can keep using the card. Just make sure you:

• Pay on time
• Keep your balance low
• Monitor your credit activity closely

However, if you suspect identity theft or fraud, meaning you didn’t open the account at all, it’s safer to stop using the card immediately. Contact customer service to freeze or close the account while the investigation is ongoing. Protecting your credit during a dispute starts with being proactive and cautious.

How Long Will THD/CBNA Stay on My Report?

It depends on what exactly is being reported.

• Credit inquiries from applying for a Home Depot card stay on your report for 2 years. These may cause a small dip in your score but typically have less impact as time goes on.
• Open accounts will remain on your report as long as they’re active and used responsibly. This can be a good thing, especially if you’re making on-time payments and keeping balances low.
• Closed accounts don’t disappear right away. If the THD CBNA card is closed in good standing, it may stay on your credit report for up to 10 years and actually help your score by showing a strong credit history.

Unless the account was fraudulent or has late payments, its presence on your report can work in your favor over time.

What If I Want to Cancel My THD/CBNA Card?

Before you cancel:

• Check if it will affect your credit utilization ratio
• Make sure you have other active credit lines
• Pay off the full balance
• Then call customer service to close it properly. 

Pro TIp: Closing the card may lower your score short term, but it may be the right move if you don’t need it anymore.

THD/CBNA and Credit Repair: Can It Be Fixed?

Absolutely. If you’re dealing with late payments, unauthorized use, or a wrongly reported account, these can be corrected with the right steps.

This is exactly where Credit Veto comes in. Whether you’re unsure about the CBNA credit card on your report or you’re trying to dispute inaccurate items, our team can walk you through:

• Credit bureau disputes
• Identity verification support
• Repairing your score with smart credit-building steps

Final Thoughts

Seeing something you don’t recognize on your credit report is stressful. But not everything unfamiliar is bad. THD/CBNA is a legit entry tied to Home Depot’s Citibank-issued credit card. The key is understanding whether it belongs to you and whether it’s helping or hurting your score.

If you need help removing or fixing errors, or you’re ready to start cleaning up your entire credit history, Credit Veto is your next move.

Frequently Asked Questions (FAQs)

1. What does THD/CBNA mean on my credit report?

THD/CBNA stands for The Home Depot/Citibank North America. It shows up when you’ve applied for or opened a Home Depot credit card issued by Citibank. If you didn’t apply for one, it could also be a hard inquiry or an error that needs to be reviewed.

2. Is THD/CBNA a credit card?

Yes, THD/CBNA represents a retail credit card, specifically the Home Depot consumer credit card issued by CBNA (Citibank). It can either be a store-only card or a project loan card, depending on the type you applied for.

3. I don’t remember applying, why is THD/CBNA on my credit report?

If THD/CBNA appears and you didn’t apply for a Home Depot credit card, it may be:

• A hard inquiry from a past application
• A case of identity theft
• An error by the credit bureau or lender. You can dispute it through the credit bureau or contact THD/CBNA customer service directly.

4. How can I remove THD/CBNA from my credit report?

To remove THD/CBNA:

• First, confirm whether it’s accurate.
• If it’s incorrect or unauthorized, file a dispute with the credit bureau.
• If it’s an inquiry you didn’t authorize, place a fraud alert and contact CBNA customer support.

5. Will THD/CBNA hurt my credit score?

A THD/CBNA inquiry may cause a small, temporary dip in your credit score if it’s a hard inquiry. However, if you were approved for the card and use it responsibly, it can help build your credit long-term.

6. What is the THD/CBNA phone number for customer service?

The THD/CBNA customer service number is typically listed on the back of your Home Depot card or your billing statement. For general Citibank retail card support, you can call 1-800-677-0232.

7. Where can I log into my THD/CBNA credit card account?

To manage your THD/CBNA credit card online, visit the Home Depot credit card login portal. This is the Citibank-hosted platform for Home Depot cardholders.

8. Can I dispute a CBNA/THD inquiry or account I didn’t open?

Absolutely. If you see a THD CBNA or CBNA THD entry you didn’t authorize, dispute it immediately with all three major credit bureaus: Experian, Equifax, and TransUnion. It may be an early sign of identity theft.

9. What credit score is needed for a THD/CBNA card?

Most Home Depot credit cards issued by CBNA require a fair to good credit score of typically 620 or higher. However, approval also depends on your income, debt-to-income ratio, and credit history.

10. Does Credit Veto help remove THD/CBNA accounts or inquiries?

Yes. If you’re dealing with unauthorized hard inquiries or want help disputing THD/CBNA entries, Credit Veto can walk you through the steps or handle the dispute process for you.