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Frequently Asked Questions
Q. What is goScore?
A. goScore provides your updated FICO® Score for free each month when it is provided to us from the credit bureau. You will be able to see how your score changes and the key factors affecting it. It's the same score we use to manage your account.

Q. Does it cost anything to receive goScore?
A. No, goScore is a complimentary benefit that you receive for being enrolled in the Cardholder Center.

Q. Which credit bureau does Merrick Bank use to get my FICO® Score?
A. The bank uses two major credit bureaus, TransUnion and Experian.

Q. Which version of FICO® Score does Merrick Bank use?
A. We use FICO® 8 Bankcard version.

Q. How often is my FICO® Score updated?
A. We receive an updated FICO® Score, when available, every month that you are a Merrick Bank customer. You will see your most recent updated FICO® Score on the 1st day of every month.

Q. How quickly will I see my FICO® Score once I enroll?
A. Once you enroll in goScore, existing customers will have access to their FICO® Score immediately. New customers, please note that access to your FICO® Score may take up to 60 days, since information is updated once a month.

Q. How do I know which credit reporting agency was used for my FICO® Score?
A. On the main goScore page, right above where your FICO® Score is displayed, the name of the credit reporting agency is referenced.

Q. Q. Where can I learn more about FICO® Scores?
A. You can learn more by clicking on the Learn tab above for short educational videos or by reading Understanding FICO® Scores and Frequently Asked Questions About FICO® Scores

Q. Why wouldn't you get a score every month from the credit bureau?
A. We rely on credit bureaus, TransUnion and/or Experian, to provide the FICO® Score to us. In some instances, our customers may not have established a FICO® Score, and in others the FICO® Score is not provided to us or is "temporarily" unavailable. For specific details about your FICO® Score, you will need to contact the credit bureau directly.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.