Does BB&T Truist use Fico 8 or Fico 9 when applying for credit cards?

[Tiersha]

Well that bites.  My Fico 8 is way lower than my Fico 9.  My Fico 9 is great.  So I guess I will scratch off Truist for a debt consolidation moment considering I've read they require a 700 and my f8 is not that.

[titancylinder]

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@Tiersha wrote:

Well that bites.  My Fico 8 is way lower than my Fico 9.  My Fico 9 is great.  So I guess I will scratch off Truist for a debt consolidation moment considering I've read they require a 700 and my f8 is not that.

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Hi Tiersha,

Truist then BBT was one of the first major unsecured cards I had outside of Bankruptcy besides my Capital One card. I think my score at the time was 620. I would recommend applying in branch. No one can be certain what they will give you, they are a more conservative bank. However, their limits can be quite generous. The branch manager can argue for you to UW. 

I believe they now soft pull when you open a deposit account to see if they have any offers for you. Also, check out their prequalify tool here: https://creditcard.digitalcommerce.truist.com/product/dcfo

Don't be discouraged if you don't prequalify online. 

[Tiersha]

Hey thanks.  I actually found branches within an hr and a half.  I have great repayment history, just looking for a consolidation loan and well if they have products that will meet all my needs, at this time I would be willing to move all of my accounts also.

[ocheosa]

@Tiersha I'm in NJ and they pull EQ BEACON 5.0 (mortgage score). Good luck!

[Tiersha]

They pull a mtg score for a debt consolidation or lower apr card?  I find that somewhat odd.  maybe not so odd on the loan side.

[ocheosa]

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@Tiersha wrote:

They pull a mtg score for a debt consolidation or lower apr card?  I find that somewhat odd.  maybe not so odd on the loan side.

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@Tiersha I thought you were asking about credit cards?

Yes, EQ-5 was pulled twice, for credit card application and the credit line increase. And fyi, some FI's do use a mortgage score. 

For example, on my personal apps these are the FI's that pulled mortgage scores-

EQ-5: AOD Credit Union, BB&T/Truist, SECU MD

EX-2: PSECU, Service Credit Union

Here's a link to the latest thread on who pulls what score. See Grid #2, Notes Section.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...