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

THD/CBSD = The Home Depot/Citibank South Dakota. I am thinking it's The Home Depot Credit card made available by Citibank here is a phone number for thier customer service Call them
For Account Online Support call: 1-866-875-5488

Citibank can be a tough #@$)%# to settle a debt with . . . lots of debt settlement companies won't even touch them. The key to remove THD/CBSD seems to be to wait until they send the account out to a 3rd party debt collector and make a deal before it gets sent back.

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

I have THD/CBSD on my credit report and don't know what this is? Like is there a name like everything else for people you have had account with?

You now know that the THD/CBSD account is related with Citibank. So, call the company and put your payment proposal. This helps improving your credit a little.

THD/CBSD was on my credit report. What does it mean?

Apparently the THD/CBSD or THD CBSD stands for The Home Depot. Do you have an account with them?

Alot of times Citibank will ask you to work out a payment plan with them before sending your account to a collection agency. That way once you settle with them, they will attempt to open your account with them again. Try to remove THD/CBSD from your CR through negotiation.

If you all read through the posts it answers the question on THD/CBSD . . . . . I'm not trying to be rude or anything, but it looks like the question keeps getting asked, then answered, then asked, then answered, then asked, then asnswered . . . . .

im dealing with citibank now for 2 accounts and they are a pain to negotiate for removing thd cbsd. When I called them,they still hadnt my sent my account to a CA so i was able to work with them but you have to agree to their terms. I had two accounts,one for 2000 the other for 4500. They immediately offered me a settlement but they werent willing to work with what i could offer each month, they wanted this paid off in 12 installments so it was like i either take it or leave it so i took it.(When i mean they i mean Citibank, the people are actually nice and helpful but they kept telling me these are citibank policies and they couldnt do much) Luckily i got a better paying job so its not killing me so much now.

FYI-even if you settle,they will send you a 1099-C so taxes will have to be paid on the forgiven debt, from what i read its 40% of the amount of the forgiven debt but i could be wrong.

Yeah, that's something a lot of people don't realize. When you settle debt for less the owed, you have to pay taxes on the forgiven amount. Because in a way it is income since you don't have to pay it back. I'm not sure of the percent that you have to pay on, I'd thought it was the whole amount that was forgiven, but I don't know where I got that from, so I very well could be wrong.

I found THD/CBSD on my credit as well. I called
For Home Depot Account Online Support call, and they were able to close my account: 1-866-875-5488

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THD CBSD: The Home Depot Citibank South Dakota

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You pay taxes on a 1099 C at the rate of income.
You report it on line 21 of form 1040 so it can increase your AGI. it might be as much as a 25% tax rate unless you earn a hell of a lot more than most of us.

THD/CBSD = THE HOME DEPOT/CITIBANK SOUTH DAKOTA

I found this site on the web while trying to figure out what "THD/CBSD" stood for. I can close that one now. How about "HSBC/COMP" any suggestions?

what about HLZG/CBSD? Please help.

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I HAVE THD/CBSD ON MY CREDIT REPORT BUT IT SAYES THAT I HAVE $0 BALANCE....WHAT DO YOU MAKE OF THIS?

this was my x-wifes card and they put it on my credit report

this was my x-wifes card and they put it on my credit report

Does it show as a Joint Acct or as an Authorized User (AU)? If AU a simple "not mine" dispute should have it deleted w/in 30-45 days. If Joint, you are equally responsible.

What does EXPO/CBSD on a credit report mean?

What does CRDT FIRST mean on a credit report?

This appeared on my report, I have an 818 score, is it a negative indicator?

With an 818, not likely

Do I have to remove a liability without balance in my creditreport?does it have a negative score?Thanks.

How do I close this account. THD/CBSD. Can't find any info on how to get a hold of this account.

I have recently recieved a collection report stateing that I have not paid home depot 201.00, this should not be on my report. My husband opened this account in his name and passed away june 13th of 08, I tried to pay this in full from the number on the card and they refused to take it because it was my husbands account, now it's on my credit report as not paid, he had a card I could use with my name on it as he was ill, but I did not open the account, # is edited, this was not my fault I tried to pay it, my e-mail is deleted for your protection - ND please contact me about this, thank you

Karen This is a get out of debt forum. You need to contact CBSD. Are you listed as an Authorized User or is this show as a Joint account on your credit reports.

What company is this on my credit report?

what company is DM Management/Cbsd?

What does Credit Inquiries mean on a credit report?

Creditors or CA's who have viewed your report. There are 2 types Hard Inquiries everyone can see and soft inquiries that only you can see.

What does GOODYEAR TIRE/CBSD stand for on my credit report?

i have collection on my report for $ 118. and which to resolve this please contac me at 323 252 3747 my name in nelson graves. account # 162yc01789

118

Why did you put a potentially negative comment on my credit report. You were the one that suddenly dropped my credit card after my husband died 4 years previously. I tried to apply for a new credit card and was turned down. WHY? Now I am being turned down on any credit card I apply for. Please correct this.

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

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.

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.

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.
Thanks

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

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?

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

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