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Merrick Bank - Credit Score

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GOLF81
New Contributor
‎01-24-2014 05:32 AM
‎01-24-2014 05:32 AM

Merrick Bank - Credit Score

I've had a Merrick CC since August 2013.  My first score with them was 589.  Today it updated to 657.  It seems they use the  "FICO® 8 Bankcard Score."  Is this FACO or a "real" score.  I'm trying to qualify for an FHA and this means I'm getting closer.  Any insight on this credit score?

TU - 550 / EQ - 521 all from myFICO as of 3/3/13
TU - 558 / EQ - 573 all from myFICO as of 3/23/13
TU - 610 / EQ - 603 / EX 655 - all from myfico as of 1.22.14
TU - 632 / EQ - 619 / EX - 673... all from myfico 3.15.14
TU - 658 / EQ - 619 / EX - 659 ... all from myfico 3.31.14
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myjourney
Super Contributor
‎01-24-2014 06:41 AM
‎01-24-2014 06:41 AM

Re: Merrick Bank - Credit Score

@GOLF81 wrote:

I've had a Merrick CC since August 2013.  My first score with them was 589.  Today it updated to 657.  It seems they use the  "FICO® 8 Bankcard Score."  Is this FACO or a "real" score.  I'm trying to qualify for an FHA and this means I'm getting closer.  Any insight on this credit score?

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Free-scores-Who-has-them/m-p/2647657#M310107

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
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