Merrickbank fico scores

[katiecakes]

Hi! My credit score through the merrick bank website puts me at 642. If I understand correctly, this is a TU Fico? Where does this put me in the overall scheme of things? Bad, Not good?, etc    I will be ecstatic for my score to finally get up to the 'not good range' after only a year ago having a 474!! I also get my score through credit one, 567, which I know is a fako. Credit sesame, another fako, is at 644. My credit has been steadily increasing among all the fakos so that must be a good sign, right?

[llecs]

The free score from Merrick is a TU FICO. Specifically it is a CC-enhanced TU08 FICO score, unlike the TU08 classic offered via Wal-Mart or the TU98 from here. But 642 isn't too bad. Generally 660 and up is good, but you aren't too far off from that and approvals are certainly possible.

[katiecakes]

Thank you!!