cancel
Showing results for 
Search instead for 
Did you mean: 

Merrick Bank Approved!

Highlighted
Community Leader
Super Contributor

Merrick Bank Approved!

So, as many here may (or may not) know, and as my signature says, I've been rebuilding since April 2019. Prior to that, I had some financial troubles caused by trying to help out family.

 

Anyway, fast forward to now, and I've made great progress and improved my scores nearly 100 points. Decided to try to get a Merrick Bank card to help with rebuild and give me my third revolver, and was approved for $500!

20200308_140454.jpg

 


Last App: 8/24/2020
NFCU Secured Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 1 of 21
20 REPLIES 20
Highlighted
Valued Contributor

Re: Merrick Bank Approved!

Congratulations on your approval! 👍





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 2 of 21
Highlighted
Super Contributor

Re: Merrick Bank Approved!

Congratulations on your approval!

Message 3 of 21
Highlighted
Valued Contributor

Re: Merrick Bank Approved!

Congratulations on your approval! 

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 4 of 21
Highlighted
Frequent Contributor

Re: Merrick Bank Approved!

Congrats!

Message 5 of 21
Highlighted
New Contributor

Re: Merrick Bank Approved!

Nice. 

 

Ive had a Merrick card for five years. It has actually been very decent. Got regular increases and they havent been bad to deal with. It started out at 500 and eventually got up to 4k so I kept it and use it occasionally

Message 6 of 21
Highlighted
Frequent Contributor

Re: Merrick Bank Approved!


@OmarGB9 wrote:

So, as many here may (or may not) know, and as my signature says, I've been rebuilding since April 2019. Prior to that, I had some financial troubles caused by trying to help out family.

 

Anyway, fast forward to now, and I've made great progress and improved my scores nearly 100 points. Decided to try to get a Merrick Bank card to help with rebuild and give me my third revolver, and was approved for $500!

20200308_140454.jpg

 


Great job! I feel like Merrick has been my best rebuilder card in at least one way: crediting my payments quickly. 
Mine is about to double soon, it's been a great rebuilder. The app is perfectly functional--however: you can't add it to Apple wallet, and you'll need to read your statements online and not in the app. 










RIP:

INSTALLMENTS:
11 years more payments!!



GOALS:
• [X] $10k revolving CL by 2021
• Apple Card (too sexy not to have) by 2021
• [X] Just one more cash back rewards card by 2021
• [X] Student Loans (27, yes, 27 of them) out of rehab and default by 6/2020
• [___] FICO 670 by end of 2020: [___]EX [___]TU [__X__]EQ
• [X] PC Cap1 to QS 5/2020 - 100 days after opening; credit steps done 8/2020
• [X] PC Discover—to DiscIt 5% 3/2020
Message 7 of 21
Highlighted
Regular Contributor

Re: Merrick Bank Approved!

Congrats on your approval!






AAoA: 6Y 6M AoOA: 13Y 2M AoYA: 10M UTIL: 0%
INQ: EQ=5 TU=2 EX=3 (Last 12 months)
TCL: 6,300


He who perseveres shall win!




Message 8 of 21
Highlighted
Contributor

Re: Merrick Bank Approved!

Congratulations! Keep it up 

April 2019 (4 collections)
EQ - 563
TU - 586
EX - 578


March 2020 (0 collections)
EQ - 605
TU - 672
EX - 671
Message 9 of 21
Highlighted
Contributor

Re: Merrick Bank Approved!

Congrats on your approval! Happy rebuilding!

Current FICO 8 Scores as of 1/15/20:
Equifax- 615
TransUnion- 746
Experian- 706

AU- Jpmcb- $14,000CL
Cap1 QuicksilverOne- $1,500SL opened 1/15/20
Carter's- $1,000SL opened 2/18/20
NFCU CashRewards- $8,600SL opened 2/20/20 .cli 5/23/20 to $12,600
Message 10 of 21
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.