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Regular Contributor
junior88
Posts: 249
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

GM BuyPower $10,000/Lowe's $8000/Wells Fargo Visa $7000/Discover $4500/Barclays Rewards $4500/Sam's Club $4500/State Farm $4000/Nationwide Visa $3500/WalMart MC $3300/GM Card $3000/Sam's Club MC $3000/Macy's $2800/Old Navy Visa $2750/Amazon $2700/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
john398
Posts: 3,526
Registered: ‎01-19-2009
0

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
ChesterPDexter
Posts: 618
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
QAMngrGirl
Posts: 463
Registered: ‎11-28-2012
0

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
john398
Posts: 3,526
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

Regular Contributor
junior88
Posts: 249
Registered: ‎03-26-2011
0

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

GM BuyPower $10,000/Lowe's $8000/Wells Fargo Visa $7000/Discover $4500/Barclays Rewards $4500/Sam's Club $4500/State Farm $4000/Nationwide Visa $3500/WalMart MC $3300/GM Card $3000/Sam's Club MC $3000/Macy's $2800/Old Navy Visa $2750/Amazon $2700/Wells Fargo AmEx $2500/Frontier $2500/AmEx Costco $2000/Chase Freedom $1000/AmEx Delta $1000/US Bank Platinum $1000/Wells Fargo PLOC $5000
Contributor
quarius
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]
Frequent Contributor
racer-x
Posts: 377
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/


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

Take the FICO Fitness Challenge
Frequent Contributor
Sparkz1920
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
dodgerslv
Posts: 1,841
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: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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