Reply
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Merrick Bank Free Fico Score


Tristate wrote:

llecs wrote:

Tristate wrote:

 Just signed up for paperless statement and free Fico they offered.

It says this under the score:

"The FICO® Score listed below is the FICO® 8 Bankcard Score.
This is the same score we use to manage your account."  8 Bankard scores range between 250 and 900.

 It is only 1 point lower then my EQ from here. I will track this for few months if it will be this close I may cancel my Scorewatch :smileyhappy:


Just remember that the EQ FICO from here is an EQ FICO (obviously) and that the CC-enhanced FICO8 is from TU.


Do we know that for 100% that is TU ?


From upthread:

 

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

Moderator
Revelate
Posts: 9,750
Registered: ‎12-30-2011
0

Re: Merrick Bank Free Fico Score


Tristate wrote:

I was thinking the same way . Maybe I can get a Walmart card a year from now. But as I know it is a GE card and I've burned them in my BK .How are the chances to re-establish relationship with them ? Do they blacklist ?


Not to my knowledge, GE is one of the more BK-friendly lenders in general when it comes to re-establishing credit though individual store cards have individual standards and that might apply to here as well.  I'd look through the old forum posts regarding Walmart cards or BK-friendly threads for a better answer.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Senior Contributor
john398
Posts: 3,526
Registered: ‎01-19-2009
0

Re: Merrick Bank Free Fico Score

[ Edited ]

bs6054 wrote:

Tristate wrote:

llecs wrote:

Tristate wrote:

 Just signed up for paperless statement and free Fico they offered.

It says this under the score:

"The FICO® Score listed below is the FICO® 8 Bankcard Score.
This is the same score we use to manage your account."  8 Bankard scores range between 250 and 900.

 It is only 1 point lower then my EQ from here. I will track this for few months if it will be this close I may cancel my Scorewatch :smileyhappy:


Just remember that the EQ FICO from here is an EQ FICO (obviously) and that the CC-enhanced FICO8 is from TU.


Do we know that for 100% that is TU ?


From upthread:

 

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


 

 

 

 

 


But it is also a real FICO score they provide this link https://cso.merrickbank.com/myFICO_UYFS_Booklet.pdf and state:

The FICO® Score listed below is the FICO® 8 Bankcard Score.
This is the same score we use to manage your account.
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Merrick Bank Free Fico Score

hello,

 

i have merrick and signed up for the goscore...however, my report is still showing from january...does it update monthly? i even tried switching it back to paper statements and then going back to paperless, but the score it shows is still from january...

 

dc



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Member
Jp2slow
Posts: 12
Registered: ‎08-29-2012
0

Re: Merrick Bank Free Fico Score

[ Edited ]

The FICO® Score listed below is the FICO®                     8 Bankcard Score.
                    This is the same score we use to manage your account.
     

 

 

Ive enjoyed my Merrick card so far and the bumped me from 1k to 2k with auto Cli  while making payments off a FULL balance.  Above is the scoring they use and its on par with my score from PSECU

Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Merrick Bank Free Fico Score

So it's a TU08 score.  Same as the Walmart card give if I'm not mistaken. 

Moderator
Revelate
Posts: 9,750
Registered: ‎12-30-2011
0

Re: Merrick Bank Free Fico Score


boomhower wrote:

So it's a TU08 score.  Same as the Walmart card give if I'm not mistaken. 


Walmat is the base TU08

Merrick is the Bankcard-enhanced version of TU08.

 

I haven't compared the two directly but that's what's been stated here previously, haven't seen otherwise.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Regular Contributor
goosedog
Posts: 327
Registered: ‎05-28-2013
0

Re: Merrick Bank Free Fico Score

I just got my Merrick Bank Card today, signed up and went paperless and now my profile shows the go score link. Says my FICO score is 621

 

Still waiting for my WALMART card to arrive so I can see what that card's FICO report says.

Valued Contributor
tcbofade
Posts: 2,531
Registered: ‎09-26-2011
0

Re: Merrick Bank Free Fico Score


Revelate wrote:

boomhower wrote:

So it's a TU08 score.  Same as the Walmart card give if I'm not mistaken. 


Walmat is the base TU08

Merrick is the Bankcard-enhanced version of TU08.

 

I haven't compared the two directly but that's what's been stated here previously, haven't seen otherwise.

 


+1. 

 

I have them both and DO compare them monthly.  My TU08 is about 15 points higher than my bankcard-enhanced TU08.

 

(Can you say, "utilitzation is too high"?)


Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Established Member
kawaiiguy
Posts: 35
Registered: ‎12-13-2013
0

Re: Merrick Bank Free Fico Score


Jp2slow wrote:

The FICO® Score listed below is the FICO®                     8 Bankcard Score.
                    This is the same score we use to manage your account.
     

 

 

Ive enjoyed my Merrick card so far and the bumped me from 1k to 2k with auto Cli  while making payments off a FULL balance.  Above is the scoring they use and its on par with my score from PSECU


Keep on making payments on time, ahead of sched, and keep that balance down.  Had mine for 5 years and it's $4050 as of now, due to increase in a month or so.   IF you are in their "sweet spot" of behaviours they will bump you about every 6 months by about 3-400 $$.  (this is just my experience so don't start with the hate replies please calling me wrong)  Its nice to have an aged account with that balance but I will NEVER carry a balance on a 24% card, just foolish!  I have tried and tried to get a rate reduction but to no avail.  Still it's a good one to have as it will look good on your report Good Luck!

25k 6k 17k 5k 5k 10k 9k 16k
15k 7k 10k 7k 5k 7k 8k N/A

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}