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.