The $8.95 one is Score Watch and that monitors your EQ report for major changes like new inquiries, new accounts, changes in account statuses, etc. It has its shortcomings in that it won't alert you to baddies falling off, for example. There's a guide stickied within this board that mentions what it will catch. As a subscriber, you get 2 free reports per year from EQ, with the first one being used when you first subscribe to the product. If you want to buy more than 2, then the price is $10.95 per report saving you $5 over the $15.95 pull.
IMHO, even if you don't like SW's quirks and having to reset the target score, etc., the $5 savings makes it worth it if you are frequently following your scores.
