THD/CBSD listed on my credit report - What does it imply?

If you find THD/CBSD listed on your credit report, then it is quite possible that you have taken a Home Depot Credit Card from Citibank, South Dakota. Thus, THD/CBSD stands for The Home Depot Credit Card/Citibank South Dakota. If you haven't applied for one of these cards, then the listing is incorrect on your credit report. In this case, you need to dispute the item with the credit bureaus. Use this sample letter to remove the listing from your credit report. If you want to know about what to do when THD/CBSD listed on your credit report, check out the topics below:

What if I've paid off THD credit card?

If you've paid off the card and it's still showing as unpaid on your credit report, then you need to dispute the account with the bank or credit bureau. In order to dispute the account with the bureau, you should use this sample letter to remove inaccurate information from your report.

What if I'm not sure that I owe the debt?

If you've earlier applied for a Home Depot Credit Card, and you're not sure whether you owe anything on it, you should ask Citibank to verify your debt.

Instead of contacting them over the phone, you should send a debt verification letter to the creditor. Once the debt is verified, you can negotiate with Citibank to settle the debt. Learn how to settle your debts yourself before you start negotiating with the bank.

If Citibank passes on your account to a collection agency (CA), it will be reflected on your credit report, and then you'll have to negotiate with the CA. If you don't feel comfortable negotiating on your own, you should contact a credit card debt settlement company who can work out a settlement on your behalf.

Posts: 1
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What does THD/CBSD mean on a credit report?


Sub: #1 Ms.
Tue, 07/06/2010 - 11:38

Originally Posted by Anonymous
What company is this on my credit report?

What company is this on my credit report?


Sub: #2 Quote:Originally Posted by Anonymouswhat about HLZG/CBSD? Please
Sat, 06/26/2010 - 09:00

Originally Posted by Anonymous
what about HLZG/CBSD? Please help.

Helzberg Diamonds/Citiebank South Dakota


Sub: #3 DM Management/Cbsd on your credit report is probably J.Jill or s
Wed, 06/23/2010 - 11:54

DM Management/Cbsd on your credit report is probably J.Jill or some other store card owned by the same outfit.


Sub: #4 Thd/cbsd
Mon, 03/08/2010 - 14:34

THD/CBSD shows up on my credit report. I understand that it may be a homedepot credit card account. I also have a homedepot credit card, but it didn't show up. My problem is that I owe more on my Homedepot account than the THD/CBSD. Is this a problem? Should I be paying THD/CBSD or just keep paying on my homedepot?


Sub: #5 Credit Report
Tue, 02/23/2010 - 08:35

I need to know what the RFSI means on my credit report I want to close this account out.


Sub: #6 Possible Identity theft
Sat, 01/30/2010 - 21:32

I recently ordered a copy of my credit report and discovered in the personal information section of the report
That someone else???s name appears on the report as well as a combination of my name and theirs. (i.e. my name is Ashley, hers is Marjorie) so the report shows in one section her name (first & last), then in another it also shows (Marjorie & my middle name). We both have the same last name but I never lived at her address which is also in the same town as mine but a different street (Thank GOD)???It also shows her address as well as mine. I am very concerned because I never lived at that address and there are 2 out of those 3 credit cards that have a status open with balances that I???m 100% sure don???t belong to me.
My questions are
How can I find out if the person has been using my personal info to obtain credit at a different address?
Who should I approach with this? the credit card companies or the credit bureaus?
How can I get the credit bureau that shows this info to provide me more info???or the credit card companies?
If I???m right how can I get the credit card companies to close those accounts and the credit bureaus to remove them from my reports?
Last who do I contact about this? If this is what I think it is (IDENTITY THEFT)???who should I report this to the regular police at my local precinct, the district attorney, the FBI?
Any suggestions would be greatly appreciated.


Sub: #7 Thd/cbsd
Sat, 01/30/2010 - 08:54

Thanks for this post! I'd just Googled this term because it was showing on my credit report, & now I know what it means thanks to you.


Sub: #8 Credit
Mon, 01/25/2010 - 12:33

This is coming out in my credit report, and i never applied for a homedepot or any other credit card.
Please contact me @ 432-312-8148 thank you.


Sub: #9 why did they make inquiry's?????
Mon, 10/26/2009 - 15:39

why did they make inquiry's?????


Sub: #10 I feel the same! But thank you ALL !!
Sat, 09/26/2009 - 21:29

Originally Posted by grneyez622
OMG! I feel so stupid. That didn't even cross my mind.. Thanks to everybody who helped me to understand THD/CBSD... :)

Same hapen to me!
Thank you ALL

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