I’ve been monitoring at My Fico. My Equifax score went up 21 points. My TransUnion is unchanged. That other agency doesn’t report to consumers anymore. Bummer. I like the Score Watch feature because it shows my progress over any specified time period.

My Fico also gives scenarios on how to improve or hurt your score over a specific time period.

I am going to purchase a new house and car within the next 12-24 months, and I want GREAT rates.