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@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
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
@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.
@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
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:
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
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
So it's a TU08 score. Same as the Walmart card give if I'm not mistaken.
@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.
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.
@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"?)
@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!