topic Re: Merrick Bank Free Fico Score in Credit Cards

Merrick Bank Free Fico Score

junior88 — Wed, 05 Dec 2012 17:19:28 GMT

So I just realized that since I have paperless statements they are giving me a free FICO score. Is this a TU score? I'm thinking it is but it's hard to tell. I did see some small words about TU in there I believe. Just checking to see if anyone else noticed this?

Thanks!

Re: Merrick Bank Free Fico Score

Anonymous — Wed, 05 Dec 2012 17:49:28 GMT

Wow I need to check this out, they just gave me another auto CLI, this is my former Hooters card

Re: Merrick Bank Free Fico Score

Anonymous — Wed, 05 Dec 2012 17:57:57 GMT

All I know is that mine was an insultingly low number and it said in huge letters that I'm in the "not good" category.

Re: Merrick Bank Free Fico Score

QAMngrGirl — Wed, 05 Dec 2012 18:11:34 GMT

The display page ("Go Score") is trademarked TransUnion

Re: Merrick Bank Free Fico Score

Anonymous — Wed, 05 Dec 2012 20:56:50 GMT

Just signed up, must be a real FICO score because it says

Go here to learn about your score

https://cso.merrickbank.com/myFICO_UYFS_Booklet.pdf

Which is associated with myFico, I wonder what version they use though? maybe its the same as WalMart??

I know it comes from TU

Re: Merrick Bank Free Fico Score

junior88 — Wed, 05 Dec 2012 22:35:19 GMT

I do not think it's the same as WalMart because last months were off by 40 points between the 2. It may be the same as myfico though, I pulled mine from here last month and it''s closer to the that. Although I had a lender pull also and it was within 4 points of that. I'm certain it is not the WalMart version at least!

Re: Merrick Bank Free Fico Score

quarius — Thu, 06 Dec 2012 00:00:40 GMT

Im pretty sure when i was trying to loggin i saw that it said equifax 8 scoring model. Does that sound right cause i dont know how these different #'r. Also noted that that score is 1 point different than my myfico equifax score from here. I know it does say transunion at the bottom of page. So if this is right im cancelling my subscription here.

Re: Merrick Bank Free Fico Score

racer-x — Thu, 06 Dec 2012 00:35:30 GMT

I received an offer from Merrick last week. I did the research on them and they have terrible reviews.

Somebody even started a website about them. http://www.merrickbanksucks.com/

Re: Merrick Bank Free Fico Score

Sparkz1920 — Thu, 06 Dec 2012 00:55:08 GMT

@racer-x wrote:
I received an offer from Merrick last week. I did the research on them and they have terrible reviews.
Somebody even started a website about them. http://www.merrickbanksucks.com/

I just accepted the card offer in the mail for the free FICO....Might cancel that crap out...especially since I read that they dont like new open tradelines....Id hurt their feelings so bad if they ever told me that...seriously

Re: Merrick Bank Free Fico Score

dodgerslv — Thu, 06 Dec 2012 01:05:47 GMT

@Sparkz1920 wrote:
@racer-x wrote:
I received an offer from Merrick last week. I did the research on them and they have terrible reviews.
Somebody even started a website about them. http://www.merrickbanksucks.com/

I just accepted the card offer in the mail for the free FICO....Might cancel that crap out...especially since I read that they dont like new open tradelines....Id hurt their feelings so bad if they ever told me that...seriously

I can vouch for that...i have been with them for about 8 months....always kept a very low balance (PIF most of times)..i was so anxious to get my first CLI (cuz they are know to give auto CLI pretty often) I received a letter by mail and got excited thinking it was about my CLI i was eagerly anticipating but to my surprise it was a letter warning me that i had opened too many new accounts and that if i kept doing that they would have to close my account...LOL....so my credit limit is still at 650. I was about to close my account with them when i saw the new "Go Score" service they provide and thats the only reason i kept it open.

Re: Merrick Bank Free Fico Score

gettnthere — Thu, 06 Dec 2012 01:37:08 GMT

@racer-x wrote:
I received an offer from Merrick last week. I did the research on them and they have terrible reviews.
Somebody even started a website about them. http://www.merrickbanksucks.com/

wow, the website owner must have really had a horrible experience with merrick. that site sure does show some dedication lol

Re: Merrick Bank Free Fico Score

llecs — Thu, 06 Dec 2012 13:23:49 GMT

@gettnthere wrote:
@racer-x wrote:
I received an offer from Merrick last week. I did the research on them and they have terrible reviews.
Somebody even started a website about them. http://www.merrickbanksucks.com/
wow, the website owner must have really had a horrible experience with merrick. that site sure does show some dedication lol

Someone was bored. If you google Merrick Bank and Scam you'll find out that it's a scam. Google Wal-Mart and Scam and you'll find out that they are a scam too. The internet is a public bathroom wall of sorts..

Re: Merrick Bank Free Fico Score

llecs — Thu, 06 Dec 2012 13:25:21 GMT

I had added the link for more info in the CMS Guide, but it is a CC-enhanced TU FICO 08, unlike the Classic version of the TU08 offered at Wal-Mart. Different scale.

Re: Merrick Bank Free Fico Score

android01 — Thu, 06 Dec 2012 14:25:38 GMT

@llecs wrote:
I had added the link for more info in the CMS Guide, but it is a CC-enhanced TU FICO 08, unlike the Classic version of the TU08 offered at Wal-Mart. Different scale.

Darn. I was hoping it might be a TU04 score, which seems to be the version most used. I'd consider getting one of thier cards just for the score if it was TU04. I'm still hoping that someday, Myfico will give us TU04 instead of the antique TU98.

Re: Merrick Bank Free Fico Score

llecs — Thu, 06 Dec 2012 22:06:47 GMT

@android01 wrote:

I'm still hoping that someday, Myfico will give us TU04 instead of the antique TU98.

I may be wrong with my source, but I heard that it was TU blocking access to the upgrade so as to continue to promote the Vantage and/or the TransRisk FAKOs, similar to what EX is doing. That would support why transunioncs.com (note the -cs) was taken down, because it was TU-sponsored and offered a TU98 FICO. Also heard that myFICO was in talks at one point to offer a TU04, though I don't know what happened to that. Here's to hoping....

ETA....at least there's some hope with the FICO-on-statements program (e.g. PSECU, Merrick, DCU, etc.)...all we need is a lender that signed up to that service and if they use TU04, then we'll get it.

Re: Merrick Bank Free Fico Score

Tristate — Fri, 21 Dec 2012 03:59:11 GMT

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

Re: Merrick Bank Free Fico Score

llecs — Fri, 21 Dec 2012 04:31:15 GMT

@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.

Re: Merrick Bank Free Fico Score

Revelate — Fri, 21 Dec 2012 07:25:33 GMT

@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

Hrm, whenever I manage to get the serious financial elephants out of my living room ideally this next year, think I may go apply for a Walmart card and open a Merrick Bank account for giggles just to track a corresponding Classic vs. Bankcard model over time.

Thank you for posting this.

Re: Merrick Bank Free Fico Score

Tristate — Fri, 21 Dec 2012 16:11:41 GMT

@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 ?

Re: Merrick Bank Free Fico Score

Tristate — Fri, 21 Dec 2012 16:16:24 GMT

@Revelate 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
Hrm, whenever I manage to get the serious financial elephants out of my living room ideally this next year, think I may go apply for a Walmart card and open a Merrick Bank account for giggles just to track a corresponding Classic vs. Bankcard model over time.

Thank you for posting this.

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 ?