FICO® Score Program

Viewing your score online will not impact your credit.

Here's what you'll have access to:

  • Your FICO® Score updated monthly
  • Up to 12 months of your FICO® Score history
  • Up to two top factors affecting your score each month
  • FICO® Score education and FAQs

Learn More Now Link opens in a new window.

Accessing your FICO® Score in Online Banking:

  • Sign on to SunTrust Online Banking
  • Choose Credit Card in the My Accounts list
  • Click on Show Account Details
  • Click on View Your FICO® Score

Accessing your FICO® Score on Mobile Banking:

  • Sign on to SunTrust Mobile Banking
  • Choose Credit Card in the Mobile Banking
  • Tap Account Menu
  • Select View Your FICO® Score


What Are FICO® Scores?

Score Meter Sample

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 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.

  1. Your Payment History: the details on late, missed and on-time payments from all of your accounts (credit cards, retail accounts, installment loans, finance company accounts). This is 35% of your score.
  2. The Amounts You Owe: the number of accounts where you carry a balance and the types of those accounts, plus the amounts owed on all accounts, especially as they relate to your total available credit and/or original loan amounts This is 30% of your score.
  3. How Long Your Credit History Is: how long it’s been since you used an account, and when your accounts were established—from the age of your oldest account to the age of your newest account, and the average age of them all. This is 15% of your score.
  4. New Credit Activity: new accounts and new account activity within a certain period of time, including how long it’s been since you opened a new account, your recent requests for credit and recent lender inquiries. However, you will usually not be penalized when “shopping around” for the best rates. This is 10% of your score.
  5. Types of Credit In Use: the amount of experience you have in handling different kinds of accounts, including credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. This is 10% of 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:

  • Credit cards
  • Auto loans
  • Mortgages
  • Home equity lines & loans
  • Personal loans & lines of credit
  • Student loans

And when you apply for credit, your credit worthiness can also influence your:

  • Approved credit limit or loan amount
  • Your interest rate
  • Balance transfer fees
  • Rewards programs
  • And more

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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