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Frequent Contributor
Posts: 254
Registered: ‎03-26-2011
0

Merrick Bank Free Fico Score

So I just realized that since I have paperless statements they are giving me a free FICO score. Is this a TU score? I'm thinking it is but it's hard to tell. I did see some small words about TU in there I believe. Just checking to see if anyone else noticed this? 

 

Thanks!

9/6/14 TU 716 EX 700 EQ 681 Lowe's $15,000/GM BuyPower $10,000/Sam's Club $8500/Discover $8000/Wells Fargo Visa $7000/Sam's Club MC $7000/Barclays Rewards $4500/State Farm $4000//WalMart MC $4000/Old Navy Visa $4000/Amazon $4000/Nationwide Visa $3500/GM Card $3000/Macy's $2800/Wells Fargo AmEx $2500/Frontier $2500/AmEx Costco $2000/Chase Freedom $1000/AmEx Delta $1000/US Bank Platinum $1000/Wells Fargo PLOC $5000
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: Merrick Bank Free Fico Score

Wow I need to check this out, they just gave me another auto CLI, this is my former Hooters card

Established Contributor
Posts: 619
Registered: ‎06-18-2007
0

Re: Merrick Bank Free Fico Score

All I know is that mine was an insultingly low number and it said in huge letters that I'm in the "not good" category.  :smileysad:

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
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Re: Merrick Bank Free Fico Score

The display page ("Go Score") is trademarked TransUnion

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Merrick Bank Free Fico Score

Just signed up, must be a real FICO score because it says

Go here to learn about your score

https://cso.merrickbank.com/myFICO_UYFS_Booklet.pdf

 

 

Which is associated with myFico, I wonder what version they use though? maybe its the same as WalMart??

 

I know it comes from TU

Frequent Contributor
Posts: 254
Registered: ‎03-26-2011
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Re: Merrick Bank Free Fico Score

I do not think it's the same as WalMart because last months were off by 40 points between the 2. It may be the same as myfico though, I pulled mine from here last month and it''s closer to the that. Although I had a lender pull also and it was within 4 points of that.  I'm certain it is not the WalMart version at least!

9/6/14 TU 716 EX 700 EQ 681 Lowe's $15,000/GM BuyPower $10,000/Sam's Club $8500/Discover $8000/Wells Fargo Visa $7000/Sam's Club MC $7000/Barclays Rewards $4500/State Farm $4000//WalMart MC $4000/Old Navy Visa $4000/Amazon $4000/Nationwide Visa $3500/GM Card $3000/Macy's $2800/Wells Fargo AmEx $2500/Frontier $2500/AmEx Costco $2000/Chase Freedom $1000/AmEx Delta $1000/US Bank Platinum $1000/Wells Fargo PLOC $5000
Contributor
Posts: 139
Registered: ‎08-18-2012
0

Re: Merrick Bank Free Fico Score

Im pretty sure when i was trying to loggin i saw that it said equifax 8 scoring model. Does that sound right cause i dont know how these different #'r. Also noted that that score is 1 point different than my myfico equifax score from here. I know it does say transunion at the bottom of page. So if this is right im cancelling my subscription here.

{NFCU-25k}{Saphire-15k}{Duck-15k}{BOA-12k}{DCU-10k}{Slate-7200}{Simplicity-$7200}{USAA-6k}{DiscoverIT-5k}{CitiTY-$4100}{AmexBCE-$3500}{Venture-$3000}{WalmartDisc-$2600}{Merrick-$1200}{AmazonVisa-$1650}{Cap1-$600}
1/1/14 [Experian-Fico 747][TU-Fico744][Equifax-Fico766]
Established Contributor
Posts: 1,041
Registered: ‎09-16-2012
0

Re: Merrick Bank Free Fico Score

I received an offer from Merrick last week.   I did the research on them and they have terrible reviews.

Somebody even started a website about them.  http://www.merrickbanksucks.com/

Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: Merrick Bank Free Fico Score


racer-x wrote:

I received an offer from Merrick last week.   I did the research on them and they have terrible reviews.

Somebody even started a website about them.  http://www.merrickbanksucks.com/


 

I just accepted the card offer in the mail for the free FICO....Might cancel that crap out...especially since I read that they dont like new open tradelines....Id hurt their feelings so bad if they ever told me that...seriously


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Valued Contributor
Posts: 2,019
Registered: ‎06-16-2012
0

Re: Merrick Bank Free Fico Score

[ Edited ]

Sparkz1920 wrote:

racer-x wrote:

I received an offer from Merrick last week.   I did the research on them and they have terrible reviews.

Somebody even started a website about them.  http://www.merrickbanksucks.com/


 

I just accepted the card offer in the mail for the free FICO....Might cancel that crap out...especially since I read that they dont like new open tradelines....Id hurt their feelings so bad if they ever told me that...seriously


I can vouch for that...i have been with them for about 8 months....always kept a very low balance (PIF most of times)..i was so anxious to get my first CLI (cuz they are know to give auto CLI pretty often) I received a letter by mail and got excited thinking it was about my CLI i was eagerly anticipating but to my surprise it was a letter warning me that i had opened too many new accounts and that if i kept doing that they would have to close my account...LOL....so my credit limit is still at 650. I was about to close my account with them when i saw the new "Go Score" service they provide and thats the only reason i kept it open.

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1) PLOC: Citi (18k) WF (10k)
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