mwo1 worked for a 20% discount for me last night. As far as economizing and keeping abreast of your score I think you can get away for under $100 yearly. Get the Equifax Score package from gulfcoastal I believe for $6. You get a full Eq report with your true FICO score. It also entitles you to another score pull. Do that three times a year unless you are totally obsessed. You can get three reports per year from myfico experian and Transunion for $25 bucks for the two. Three times a year should probably be sufficient esp if you space the Eq score pulls. $100 out the door per year.