Credit reporting agency Equifax and, a division of Fair Isaac Corp., have launched a credit score monitoring service that allows consumers to track their FICO credit score and see how it impacts interest rates they’re likely to be offered.

Score Watch continuously monitors subscribers’ Equifax credit file for changes that can affect their FICO score, the most commonly used gauge of creditworthiness. Once a change is detected, Score Watch alerts subscribers via e-mail or wireless text message, advising them to visit a secured Web site for a detailed explanation of the change in credit status. If the subscriber’s credit score changes by a significant amount due to changes in their credit file, the Score Watch alert also will include their up-to-date score.

Subscribers also can preset a target score and be notified when they reach it. Score Watch information is updated daily about current average interest rates for various types of loans and the specific credit score ranges that are currently receiving those rates.

Score Watch costs $7.95 per month or $79.95 for 12 months. It is available at the Web sites of both myFICO and Equifax.


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