FICO Score is a numerical rating developed and maintained by Fair Issac and Company which is an indicator of a borrower's creditworthiness based on a number of criteria, and is the basis upon which many lenders will decide to loan money. Therefore it is important to know your FICO score and keep it as high as possible, especially before applying for credit or loan.

• Monitors all changes to your FICO score and Equifax Credit Report.
• Provides instant alerts when important changes are detected.
• Offers easy-to-read view of how lenders see you and items affecting your score.
• Sends alerts when your FICO credit score changes enough to qualify you for a better mortgage, auto, or home equity loan rate.
• Alerts could be sent to your email, cell phone or mailed to you.
• myFICO offers 100% risk-free 30-day FREE trial of fully featured Score Watch.

• Newly opened accounts.
• Changes in account status, such as a missed payment.
• Inquiries from applications for new credit.
• New activity on accounts that were inactive.
• Increases in account balances.
• Newly listed collection company records.
• Newly listed public records, such as bankruptcies, court judgments, and tax liens.
• Changes to the name listed on your credit report.
• New addresses or phone numbers.
• Changes to public records and collection company records.

• Email alerts sent out upon detection of certain changes to your credit report or FICO score.
• Two Score Power reports included with your subscription, one when you enroll in Score Watch and one to be used at any time during your subscription.
• Two additional Score Power reports each year while you’re subscribed to Score Watch.

• Your current FICO score.
• Your complete Equifax credit report.
• A full explanation of the reasons hurting or helping your score.
• The FICO score simulator, which shows you what can happen to your score if you pay down balances, miss payments, or transfer balances to a new credit card.