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Need Advice with Merrick Bank TL...........

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prolificjinx23
Frequent Contributor

Need Advice with Merrick Bank TL...........

Although I definitely understand that the amount that I owe Merrick Bank is figured into my UTIL I'm wondering whether or not I should PIF.... Would it make a difference?? They've declined PFD every time I sent them a letter (once a week since January!) My actual balance with them is $470 but it usuallydoesn't update until @ the 18th. 

 

My BF tells to to just continue paying them at least the minimum so that it can continue showing as Current or Paying as Agrees. 

 

Tell me what you think guys........ PIF or Just pay the $16/mth....

Starting Scores: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Scores: FICO 08's as of 12/12/2019: EQ 584, TU 702, EX 631
Goal Scores: ABOVE 800 ALL 3
Current Cards: CapOne QS1 $500, Walmart SC $500, Discover It $750, Amazon Prime SC $900, CareCredit $2,000, NFCU CashRewards $10,000 and NOT APPING until 04/2020....


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prolificjinx23
Frequent Contributor

Re: Need Advice with Merrick Bank TL...........

This is what it looks like........

 

MERRICK BK
 
EXPERIAN
EQUIFAX
TRANSUNION
    
Account Name:MERRICK BANK MERRICK BANK CORP MERRICK BK 
Account Number:XXXX XXXX XXXX 
Acct Type:Credit Card Revolving or Option Revolving account 
Acct Status:Open Open Closed 
Monthly Payment:$16.00 $16.00 $16.00 
Date Open:4/1/2007 4/1/2007 4/4/2007 
Balance:$519.00 $503.00 $503.00 
Terms:Revolving  Minimum 
High Balance:$962.00 $740.00 $962.00 
Limit:$740.00  $740.00 
Past Due: $0.00 $0.00 
Payment Status:Current, was past due 120 days Pays account as agreed Paid or paying as agreed 
Comments:Account payments being managed by credit counsel service
 
CREDIT CARD
CONSUMER CREDIT COUNSELING
 
Dispute resolved; customer disagrees
 

Starting Scores: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Scores: FICO 08's as of 12/12/2019: EQ 584, TU 702, EX 631
Goal Scores: ABOVE 800 ALL 3
Current Cards: CapOne QS1 $500, Walmart SC $500, Discover It $750, Amazon Prime SC $900, CareCredit $2,000, NFCU CashRewards $10,000 and NOT APPING until 04/2020....


Take the myFICO Fitness Challenge
Message 2 of 2
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