Sorry, I did not enter the program name.. I have Score watch. In fact, this morning I got an e-mail stating there was no change, so I guess it is a monthly report. However, I am not to pleased, these past two month I lowered to zero bal my 4 revolving credit cards, my student loan is in deferment and none of it had a positive impact on my score. How can that be?. I show 93% of credit available, and that does not include what has been paid off recently. I have long history, no negative marks since 2003 (1 acct past due 90 days once), bad three months in my total history that year.