I've had it for about a year now, and I like it, although it has left me in the lurch several times. (They keep fixing it.) Plenty of others hate it for this reason.
In combination with TrueCredit, it was helpful in telling me when might be a good time to pull the other two. I probably don't need it any more, but it's still a tiny little thrill to get an alert. And it was Scorewatch that told my about my first re-bucketing back in October.
The graph is fun, although mine has flat-lined in the last 5 months or so.
Your EQ score and report will display longer with Scorewatch.
The simulators are actually part of the myFICO EQ and TU score reports --you don't need Scorewatch to play with them. I only wish that EX would cooperate and supply one.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007