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.