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Merrick Bank Free Fico Score

Frequent Contributor

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!

9/15/16 TU 733 EX 722 EQ 728 Discover $19,500/BOA $15,000/Lowe's $15,000/Sam's Club MC $15,000/Wells Fargo PLOC $15,000/Macy's $15,000/GM BuyPower $10,000/AmEx Hilton Honors $10,000/Macy's $10,000/Sam's Club $10,000/Frontier $9600/FNBO Mlife $9200/AmEx Delta $8500/Chase Hyatt $8000/Dick's MasterCard $7500/Citi Simplicity $7200/Wells Fargo Visa $7000/Chase United $5000/Amazon Visa $5000/Nationwide Visa $4300/State Farm $4000/Wells Fargo AmEx $2500/Citi Costco $2000
Message 1 of 30
29 REPLIES
Senior Contributor

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

Message 2 of 30
Established Contributor

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.  Smiley Sad

_________________________________________________________
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.
Message 3 of 30
Frequent Contributor

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+


Message 4 of 30
Senior Contributor

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

Message 5 of 30
Frequent Contributor

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!

9/15/16 TU 733 EX 722 EQ 728 Discover $19,500/BOA $15,000/Lowe's $15,000/Sam's Club MC $15,000/Wells Fargo PLOC $15,000/Macy's $15,000/GM BuyPower $10,000/AmEx Hilton Honors $10,000/Macy's $10,000/Sam's Club $10,000/Frontier $9600/FNBO Mlife $9200/AmEx Delta $8500/Chase Hyatt $8000/Dick's MasterCard $7500/Citi Simplicity $7200/Wells Fargo Visa $7000/Chase United $5000/Amazon Visa $5000/Nationwide Visa $4300/State Farm $4000/Wells Fargo AmEx $2500/Citi Costco $2000
Message 6 of 30
Contributor

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]
Message 7 of 30
Valued Contributor

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/

Message 8 of 30
Frequent Contributor

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
Message 9 of 30
Valued Contributor

Re: Merrick Bank Free Fico Score


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.

gardening since 5/21/2016
Message 10 of 30