Understanding FICO® Scoring

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masscredit
Posts: 228
Registered: ‎07-17-2012

GoScore By Merrick Bank

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‎12-11-2012 06:32 PM

I noticed that my Merrick Bank account offers me a free monthly GoScore by signing up for paperless statements.  It's probably a FAKO score but, anyone have any experience with it? 

EX - No idea TU - 661 (Walmart 5/13/13 ) EQ - 684 (FICO -5/15/13)
Goal - 700 Club in '13!!!

My Wallet - Barclay's - $3700. Target - $3000. Cap 1 - $2500. Merrick - $1000. Orchard - $950. Walmart - $700. JCP - $200.

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llecs
Posts: 31,518
Registered: ‎08-04-2007

Re: GoScore By Merrick Bank

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‎12-11-2012 07:13 PM

It's a FICO. It's a TU08 version, though unlike Wal-Mart's version, this one is a CC-enhanced TU08.

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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.

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