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. If you do not already have a data plan with your wireless service provider, normal data rates will apply for each device used.
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Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc. and BB&T Securities, LLC, P.J. Robb Variable Corp., and Precept Advisory Group, LLC, which are SEC registered broker-dealers, members FINRALink opens a new window, SIPCLink opens a new window, and a licensed insurance agency where applicable. Investment advisory services are offered by SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers. BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow, are divisions of BB&T Securities, LLC. Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRALink opens a new window and SIPCLink opens a new window, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRALink opens a new window and SIPCLink opens a new window.
Thank you for choosing SunTrust now Truist. We welcome the opportunity to serve your financial needs. While SunTrust and BB&T have merged to become Truist, both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees, and pricing.
Our friendly teammates at your local BB&T branches will be happy to walk you through their products. You can also learn more by contacting them at 1-800-BANK-BBT or BBT.com.