Who is thdcbna

As an authorized user, the account activity is reflected in your credit reports as well. Getting added to an account as an authorized user is one way you can build credit especially if the primary accountholder has stellar credit. The downside is that if the primary cardholder misses a payment or has a high utilization rate, there could actually be a negative impact on your credit. Citibank issues retail credit cards to approximately 83 million people. Whether you decide to keep an eye on your credit with Credit Karma or use another service, consider adding credit monitoring to your financial routine.

Credit monitoring can be a useful tool in helping you identify and take action on certain errors or report suspected fraud you might spot on your credit reports. If a hard inquiry is on your credit report, it's damaging your credit score until it gets removed.

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop. If you're looking for a reputable company to increase your credit score, we recommend Credit Glory.

Call them on or setup a consultation with them. Older Newer Votes. HD has closed my account with only a phone call!

Write Your Name. This question is for testing whether you are a human visitor and to prevent automated spam submissions. Related Questions. No related questions found. However, you have no obligation to use their services. Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer. Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.

Whether or not you get approved for the Home Depot credit card makes no difference. The hard inquiry will remain on your credit report for up to 2 years. Each time an inquiry is made, it is recorded by one or all of the three major credit reporting agencies — Equifax, Experian, and TransUnion.

Lexington Law specializes in removing inquiries and other negative marks on your credit report.