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Update to the aboveHome Depot Mastercard. Citibank requires a personal guarantee if you don’t have the following. Established 2 or more years, 12 Employees or more, 1,.,00000000 Verifiable Revenue. If not you need a personal guarantee. They report to Experian and D&B.Key Bank checks personal credit as well. If you dont have a CS of 680+ on your personal credit, you will be denied. No Collections , No more that 5 Inq in last 180 days. No Maxed accounts.