Home Depot Commercial

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Core Program

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Details

Phone

(800) 395-7363

Products

Hardware & Tools

Underwriter

CitiBank

Credit Terms

Net-60

Reports they pull

Personal
None
Business
Experian
Equifax

Purchases report as

Dun & Bradstreet

Short-trm busn credit

Experian

FINCL SVCS

Equifax

Wholesale Trade, Durable Goods

Action Tools

Application Process: 

  1. You’ll need to create a Home Depot Pro Xtra account in order to complete the application. Click the application link below which will direct you to the page to do so.
  2. If you already have an account, enter your information. If you don’t, select “Create Account” and follow the prompts. 
  3. Click “Apply Now” under the Commercial Account option.
  4. Fill out the form with your company’s information.
  5. Where it says “Do you need a personal guarantor” be sure to select “No, apply without a guarantor”.
  6. In most cases, they will provide you with an instant approval and let you know the credit limit, but is some cases they made need a couple days to process the application. If they state that they need more time, be sure to make note of the reference number they provide you with.
  7. You can call the number above after 72 hours if you have not heard back, to potentially get a faster response over the phone


Keep in mind:

  • There are 2 commercial options, this application is for the Home Depot Commercial Account with Net 60 Terms
  • The Home Depot Commercial Revolving Account will require you to agree to a personal guarantee to submit the application, resulting in a personal credit check as well as personal liability for the account. 

 

After Approval:

  1. You should receive an email letting you know you were approved, followed by a letter in the mail with your cards
  2. The letter will have instructions for activating your card and linking to your online login if not done automatically
  3. Utilize your new account
  4. Pay invoices 7-10 days BEFORE the Due Date
  5. Monitor your credit bureaus for the tradeline to report after about 30 days

Questions & Answers

Question

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TrueGuidance

How Can I Tell if My Credit Accounts Are Reporting?
Annalise S
Jun 7, 2023
How to avoid a personal guarantee (PG)?
Austin S
Jun 6, 2023
Does time in business matter?
Sue H
Jun 6, 2023
Terms and conditions on credit accounts or online vendors?
Austin S
Jun 6, 2023
Denial based on Business Credit?
Niki T
Jun 6, 2023
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Tech Tips

Katelyn B
Sep 6, 2023
Director of Operations

We recommend only applying for 3 accounts at a time that are underwritten by Synchrony, Citibank or WEX! Sometimes if you apply for too many at once you can get denials so its best to stagger them.

Read more
Taurus N
Sep 26, 2023
Senior Credit Technician

Some accounts have multiple options as far as payment terms. They may have a revolving version as well as a Net 30 (or Net 7 / Net 60)  – some of these accounts could require a PG for the revolving version however in most cases you can still get an account with Net Terms!

Read more
Sue H
May 12, 2023
Senior Credit Technician

For the CORE TrueBuild Program (Layers 1 -5), if you are filling out a credit application that asks for a personal guarantee, remember that this is not a requirement for those accounts. Leave this part of the application blank if possible.

Read more

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