Applicants with Atlantic Union Bank must have a minimum credit score of 680 as reported by a consumer reporting agency. 

Additionally, the credit score Atlantic Union Bank receives may be different from the one reported by your credit monitoring services in the event that a credit monitoring service is reporting a score from a different bureau or different scoring method.

In addition, there cannot be any material adverse change in your credit report from the time the loan was offered to you and your funding.  For more information about material adverse changes, please see here.  

We also  calculate how much debt you have in comparison to the income you receive.

You must not have any bankruptcies, or public records from within the last 3 years on your report unless the public records consist only of paid civil judgments or paid tax liens;

You must also not have on your report any accounts that are currently delinquent.

You must have fewer than 6 inquiries on your credit report in the last 6 months, not including any inquiries related to student loans, vehicle loans, or mortgages.

If you believe there are errors on your credit report, please contact TransUnion or Equifax using the information below:

Name: TransUnion


Address: P.O. Box 2000, Chester, PA. 19022


Telephone number: 1-800-916-8800

Name: Equifax

Address: P.O. Box 740241 Atlanta, GA 30374


Telephone number: 866-349-5191