Mark Towers, WalletHub Credit Card Analyst
@MarkTowers
"THD/CBNA" stands for The Home Depot/Citibank North America, and it is a code that appears on your credit report if you have a credit card from Home Depot or you recently applied for one. Citibank North America is the bank that issues the Home Depot credit cards.
Home Depot Credit Cards That Can Show Up as THD/CBNA
- Home Depot® Credit Card
- Home Depot® Business Credit Card
- The Home Depot Commercial Account
How to Remove THD/CBNA From Your Credit Report
If you’ve applied for a Home Depot credit card, you cannot remove THD/CBNA from your credit report. You also cannot remove it if you are currently an authorized user on someone else’s Home Depot credit card account, though you can remove yourself as an authorized user from the account first and then dispute the entry on your credit report.
If you think the THD/CBNA was added to your credit report by mistake or fraudulently, you should take the following steps to remove the entry from your credit report.
1. Contact Citibank.
Contact Citibank and ask them for any details they can provide about the inquiry. If it’s clear you didn’t authorize the inquiry, you can dispute the entry directly with the credit bureaus.
2. Dispute the entry with the credit bureaus.
Contact each credit bureau that has THD/CBNA listed on your credit report and file a dispute. All three credit bureaus (Experian, Equifax, and TransUnion) allow you to file disputes online, by mail, or by phone. You will need to explain why having THD/CBNA on your credit report is inaccurate. The bureau will investigate the claim and let you know the outcome.
3. Request a credit freeze.
If you believe the THD/CBNA entry is fraudulent, it’s a good idea to request a credit freeze with the credit bureaus. A credit freeze prevents anyone from accessing your credit file and opening accounts. You will have to request a credit freeze for free with each credit bureau separately.
4. Monitor your credit, bank accounts, and personal information.
Continue monitoring your credit for any other suspicious activity. You should regularly review your credit reports from all three credit bureaus, which you can get weekly for free from AnnualCreditReport.com. You should also monitor your credit score for any drastic drops, which may signal there is a problem with your credit. In addition to your credit, monitor your bank accounts for any unauthorized charges that could be a sign of fraud.
WalletHub provides you with free access to your TransUnion credit report and VantageScore credit score to make it easy for you to monitor your credit. Your free WalletHub account also gets you 24/7 credit monitoring, which will notify you of any important changes to your TransUnion credit report. In addition, WalletHub offers free basic identity protection, with features like Social Security trace alerts and password monitoring. You can also get bank account monitoring and advanced identity monitoring services from WalletHub with a premium account.
To learn more, check out WalletHub’s guides on how to handle unauthorized inquiries or unrecognized accounts on your credit report.
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People also ask
What does CBNA mean?
“CBNA” is a credit report code that stands for Citibank North America. If you see CBNA on your credit report, it’s probably because you have a credit card or loan with Citibank or you applied for one recently.
If CBNA showed up on your credit report out of the blue, check out WalletHub’s guide on how to handle an unauthorized credit inquiry. You’ll see the steps you need to take to make sure fraudulent accounts don’t show up on your credit report...
read full answer by Robert Stark, WalletHub Credit Cards AnalystWhat is the phone number for CBNA?
The phone number for CBNA, or Citibank North America is 1-888-248-4226, if you need bank account information.
Citibank also has other numbers you can call, depending on your issue. For online banking, the number is 1-800-374-9700, for bill payments it's 1-800-374-9700, and you can find more phone numbers here.
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