I'm getting a loan and need to know what to expect.

It's the savvy borrower who anticipates and avoids last-minute surprises! By planning ahead and checking your credit well in advance of your loan application, you're being smart by minimizing the chances of either being denied or paying more than you should for the loan.

Interest rates accurate as of May 21, 2013.

If you've ever had an error show up on your credit report just prior to credit approval, you know that such last-minute surprises are the last thing you want when applying for a mortgage, auto loan, or credit card. Such last-minute delays can jeopardize your loan!

"I can vouch for the fact that having good credit can open doors and allow you to live a better life... I was able to land a great job (one that did a full background check), paid off my debt in a year and a half, and bought my first home." — Sharon, Sarasota, FL Read More

With Score Watch® you get:

Receive Email alerts or text messages when there are changes to your FICO® score and credit report. Getting alerted of changes to your score and report will help keep you on top of your credit.

Both the positive and negative factors of your credit that are influencing your FICO® score. These factors can help you better understand your credit situation.

Notifications when your FICO® score has changed enough to qualify you for a better interest rate on a home loan or auto loan. You can receive an alert when your score hits a target number that you set.

FICO® Score is the one used by 90 of the top 100 lenders

Score Watch®
  • Get 2 Equifax credit reports and FICO® Score
  • On-the-go mobile alerts of important changes
  • Checking your own credit report will not lower your FICO Score



* You may cancel your free 10-day trial subscription of Score Watch at anytime within the 10-day trial period without charge. If you don't cancel prior to the end of
10-day trial period, you'll be billed at $14.95 for each month that you continue your subscription. The minimum subscription period is three months.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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