Score Watch®

Score Watch Monitor your FICO® score and Equifax credit report™ with Score Watch, the only FICO® score monitoring product on the market. Score Watch provides you with daily monitoring of your score and report, notifies you when you qualify for better interest rates, delivers instant alerts when changes are detected in your score and report and shows you key factors affecting your FICO® score and how a lender views you.

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What your score means to you

Your score of 707 is slightly below the average score of U.S. consumers, though most lenders consider this a good score. Based on your score alone, you might expect the following:

  • A wide array of loans and credit products will likely be available to you.
  • Most lenders will consider offering you very competitive rates and terms on loan products.
  • Some lenders may require additional information, such as income or time at job, to help them more accurately set the terms of your loan product.
See what helps and hurts your score

Learn the fundamentals that can help you properly manage your credit.

How to work on your score

Average interest rates for your score

A good FICO® score can qualify you for cheaper interest rates on all kinds of loans. Shown here are the average interest rates now offered to consumers with your FICO® score. The interest rate you can receive may differ, however, because lenders look at other factors besides your score when deciding your interest rate.

A better FICO® score can result in huge savings on a new loan.

Take the example of borrowing $200,000 on a 30-year mortgage. If your score dropped from 707 to 510, you would pay $477 more each month in interest.

30 year mortgage
  Score Rate
  760-850 5.767%
Your current range 700-759 5.782%
  680-699 5.960%
  660-679 6.002%
  640-659 6.431%
  620-639 6.940%
  600-619 7.471%
  580-599 7.733%
  550-579 7.984%
  500-549 8.353%
15 year home equity loan
  Score Rate
  740-850 6.889%
  720-739 7.166%
Your current range 700-719 7.621%
  670-699 8.322%
  640-669 9.680%
  620-639 10.805%
48 month auto loan
  Score Rate
  720-850 5.518%
Your current range 690-719 6.36%
  660-689 8.265%
  620-659 10.992%
  590-619 14.444%
  500-589 16.939%
Other average rates based on your FICO® score of: 707
Home equity line of credit (under $50,000) 5.689% Home equity line of credit (over $50,000) 5.689%
30 year jumbo mortgage 5.953% 10 year home equity loan 7.958%
15 year mortgage 5.291% 15 year jumbo mortgage 5.477%
1/1 ARM 5.198% 1/1 jumbo ARM 5.308%
3/1 ARM 5.198% 3/1 jumbo ARM 5.223%
5/1 ARM 5.325% 5/1 jumbo ARM 5.321%
7/1 ARM 5.265% 7/1 jumbo ARM 5.309%
10/1 ARM 5.959% 10/1 jumbo ARM 6.025%
36 month auto loan 5.964% 48 month used auto loan 6.653%
60 month auto loan 6.020%    

Accurate as of June 15, 2006. Source: Informa Research Services

Do lenders see you as a risky borrower?

The reason consumers with good FICO® scores get better interest rates is because they pose less risk of missing payments or defaulting on a loan.

Your FICO® score 707
Risk rate 5%
Analysis Most lenders would consider consumers in this score range as very low risk.

This chart shows that consumers with low FICO® scores have a high risk rate, and consumers with high FICO® scores have a low risk rate. The power of the FICO® score to predict which borrowers are risky and which are not is one reason why so many lenders use FICO® scores in making loan decisions.

Risk rate*

FICO® score range

* Defined as the percentage of borrowers who reach 90 days past due or worse (such as bankruptcy or account charge-off) on any credit account over a two-year period.

Equifax Credit Report™ is a trademark of Equifax, Inc. and its affiliated companies

myFICO is the consumer division of FICO. Since its introduction 20 years ago, FICO® Scores have 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 FICO Scores to make consumer credit decisions.

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