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New Member
Posts: 1
Registered: ‎02-16-2013
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Wait, what am I paying for again?

I just bought myself the Score Watch monthly membership and only after (of course) did I realize that I am limited to 2 score power reports and 2 equifax reports a year. So I'm confused, for what exactly am I paying the monthly fee?! $180/year for two equifax reports and the fancy graphics by fico twice a year?! 



Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
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Re: Wait, what am I paying for again?

Be sure to check out the product description found at the bottom of this page and the SW Guide found stickied here somewhere. 


SW is mainly a monitoring product. It does include two EQ FICO reports with the first being used when you first subscribe, and the 2 more being added upon renewal of the subscription. If all available reports are used then you get future EQ FICO reports at 30% off.


The main focus of the product is the EQ monitoring. It monitors your EQ report for key changes like balance increases, stati changes, new accounts, new inquiries, etc. If your EQ FICO changed as a result of that credit change, SW will also give you your new EQ FICO (absent a report). If nothing is happening to your credit, your EQ FICO is monitored every 7-10 days for changes and if your EQ FICO changes and hits or surpasses your EQ FICO then you'll get a new EQ FICO score.

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‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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