Your FICO® Score—the score lenders use™—is the credit score most lenders use to help determine your creditworthiness and the amount of risk they might be taking by loaning you money. Your score summarizes your credit report information into a single three-digit number that lenders can use along with other information to assess your credit risk quickly, fairly and consistently. It’s important to note that since your FICO® Scores are based on your credit reports, it’s a good idea to make sure your credit report information is accurate.
Tip: You can obtain one free credit report from each of the consumer reporting agencies each year when you visit www.AnnualCreditReport.com. Remember, your report will not contain your FICO® Score, however your FICO® Score is based on that report.
Yes, FICO® Scores are based on information from your credit reports, but of that information, there are 5 key categories that determine your score.
As mentioned, FICO® Scores help lenders determine how they want to do business with you. Your FICO® Scores along with other information are used in the decision-making process related to a wide variety of credit products including:
And when you apply for credit, your credit worthiness can also influence your:
The better your scores, the more favorable terms you’ll be offered.
This content is based on content from FICO, which is provided with permission of FICO. The FICO® Score provided to you is the FICO® Bankcard Score 8 based on Equifax Data, and is the same score that SunTrust uses, along with other information, to manage your account. FICO® Scores are intended for – and delivered only to – the primary account holder, and only if a FICO® Score is available. Disclosure of this score is not available for all SunTrust products and SunTrust may change or discontinue this benefit at SunTrust’s sole discretion.
You have the ability to opt out of the program at any time by calling 1-877-370-5103. Please note if you opt out of the program you will not see your FICO® Score in any channel. Please allow up to two billing cycles after opting out to stop receiving your score.
FICO and "The score lenders use" are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. FICO® Scores and associated educational content are provided solely for your own non-commercial personal review, use and benefit. This content is general in nature and does not constitute legal, tax, accounting, financial or investment advice. SunTrust Bank does not make any warranties as to accuracy or completeness of this information, does not endorse any third-party companies, products, or services described here, and takes no liability for your use of this information. SunTrust and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. SunTrust and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history, or credit rating. FICO and SunTrust Bank are independent entities and not legally affiliated.
SunTrust does not charge a fee for the use of SunTrust Mobile Banking or Tablet Banking. If you do not already have a data plan with your wireless provider, normal data rates will apply.
Understanding these biases will help you avoid common pitfalls and remain on track for your long-term financial goals.
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