Important information regarding your credit limit
Account Ending In: 8231
Home Depot Credit [Link]/mycard
Services
P.O. Box 7032
Sioux Falls, SD 57117-7032
DAVID WEAVER
2431 SAXONBURG BLVD
CHESWICK, PA 15024-2201
March 11, 2025
823101
Hi, David.
Why we're writing to you
Based on a recent review of your account, we found it necessary to decrease the credit limit on your The Home Depot Consumer
Credit Card account. Effective immediately, your new credit limit is $300.
If you haven’t done so already, please register your The Home Depot Consumer Credit Card account with Account Online.
Account Online allows you to conveniently view, manage and pay your bill online. To register, visit
[Link]/mycard and sign up today!
How we made our decision
Our decision was based on a credit scoring system that assigned a numerical value to various items on your credit report. The
result did not meet our requirements due to the following reason(s):
• Derogatory public record or collection filed
• Ratio of balance to limit on bank revolving or other revolving accounts too high
• Time since delinquency is too recent or unknown
• Length of time accounts have been established
Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting
agency:
Equifax Credit Information Service
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111
[Link]
Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the
specific reasons why your credit limit has been decreased.
Free copy of your credit report
You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer
reporting agency. We encourage you to review your credit report for accuracy.
You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60
days after you receive this notice. In addition, if you find that any information contained in your report is inaccurate or
incomplete, you have a right to dispute the matter with the consumer reporting agency listed above.
Continued on reverse side
CR/6196/919604000002/YNY/A/7919612008841846/20250311/N/N
Information about your credit score
We obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a
number that reflects the information in your credit report. Your credit score can change, depending on how the information in your
credit report changes.
As of 03/2025 your credit score is 570. Credit scores range from a low of 250 to a high of 900. The key factors that adversely
affected your credit score are:
• Derogatory public record or collection filed
• Ratio of balance to limit on bank revolving or other revolving accounts too high
• Time since delinquency is too recent or unknown
• Length of time accounts have been established
• Too many inquiries last 12 months
How to contact us
If you have additional questions, our Representatives are available to assist you. Please contact us at the phone number below.
We apologize for any inconvenience this may have caused and look forward to the opportunity to serve you in the future.
Sincerely,
823101
Manager, Credit Review
Phone: 1-423-467-6957
For TTY: We accept 711 or other Relay Service
Monday through Friday, 8:00 a.m. - 8:00 p.m., ET
NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of
race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding
contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in
good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this
law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.
The creditor is Citibank, N.A., 5800 South Corporate Place, Sioux Falls, SD 57108. Please direct any questions to the return address
on this letter.
Thank you