I love this service. I signed up a couple of years ago when they were running a percentage off discount. My favorite part is the text updates I get on my mobile phone when my score changes. Good or bad I know what is going on with my score. Score Watch monitors Equifax. Not only do I get an update with any changes but I get free Score Power reports that I can pull whenever I want to get an update. I know if there's fraud, I know if there is a credit pull, and I know if something changes that impacts my score. It is well worth the money. I would love to have all three agencies do it like this but I understand they aren't affiliated. I would much rather get my score from the source than a third party. I know my score is accurate and I know they are going to give me tips and tools to keep my credit in shape.

I gave this a shot after hearing about it on Suze Orman's show. I'm a bit disappointed since I signed up past the 30-day free trial and this wasn't exactly what I was expecting. First, this doesn't monitor all three credit reporting agencies, which is a problem for me and wasn't mentioned explicitly up front. All in all, I believe the service worked fine, although it's difficult to know. The real test will come when something goes wrong, which nothing has yet.

I like the service, a lot. This is the only service that allows you to passively monitor the movement in your FICO score. The only downside is that it's your FICO score only from Equifax, not TransUnion or Experian. It allows you to set a threshold and any time your score goes above or below that score point you get alerted. If you're smart you can keep moving your threshold up and down and always have a very good idea where your FICO score lands.