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Your Enhanced Score Watch Member Center

At Equifax, we've listened to your feedback and are proud to launch an enhanced Score Watch component of our re-designed Member Center. With brand new features to help you better understand your score, plus simpler functionality to set target scores and alerts, it's now even easier to get more out of your Score Watch™ subscription.

Keep track of how your score is progressing over time and the interest rates you are likely to receive at the click of a button. If you're trying to stay aware of key changes to your FICO^® credit score, Score Watch™ is the ideal way. Learn how our changes can help you understand your score and its impact.

Viewing your FICO^® Credit Score:
The Member Center will show you your most recent score, the date it was last updated, and whether it was obtained from a Score Power^® report or a Score Watch™ alert. You can even access a Score Summary to find out how your score ranks.

Understanding Your Score:
Once you've viewed your most recent score, you may want to see what factors influenced it and how your score may affect your ability to obtain credit. With our newly introduced “Factors Affecting Your Score” section, you can see both the positive and negative factors that may affect your score. “How Lenders See You” is another great feature, where you can find out how your score compares to others as well as the interest rates that may be available based on your score — this can even be broken out by loan type!

Setting Your Target Score:
Setting a target score is now easier than ever with our new Score Trending tool. This innovative gadget allows you to move a special marker to your desired score, and you'll receive wireless and e-mail alerts whenever your score rises above, falls below, or reaches that target.

Seting your Score Watch Alert Preferences:
In addition to the easy-to-use alerts offered based on key changes to your Equifax credit file, you can also set your preferences so that you receive a score alert if your score has changed based upon those preferences — helping you to stay up-to-date on fluctuations in your credit score at all times.

Viewing Present and Archived Alerts:
You can access your present and past alerts, and receive a comprehensive explanation of each change. This can help you spot trends in your Equifax credit file or FICO^® credit score over time.

You will also be able to enjoy a number of empowering articles and information designed to help you understand the basics of your score, what it means, and what factors can impact it. More than simply receiving your credit score, Equifax's Score Watch Member Center enhancements can help you monitor your score and understand its impact on your creditworthiness.

Tip of the Month: Setting Your Score Band Alerts

Score Band Alerts notify you when a score change may impact the interest rate you are likely to receive when applying for credit. To monitor against score ranges for most types of loan, simply select the type of loan, such as auto, you are most interested in. The graph will update to show you the score bands and associated national average interest rates for this type of loan. Score Watch will alert you when your score enters one of these score bands.

Simply log into the Member Center and select the “Score Watch” tab. Scroll down to the “Score Trending” window and choose the type and length of your loan from the drop-down menus. Follow the steps to “Set Your Target Score” according to your desired score band, and you'll get an alert when your target is reached. It's that simple!

Interactive Tool: How Much House Can You Afford

The first step in buying a house is determining your budget. This calculator takes you through the process of finding out how much you can borrow. Fill in the entry fields and click on the “View Report” button to see a complete amortization schedule of your mortgage payments.

Identity Theft Alerts: Identifying Fake Foreign Lottery Scams

In recent years, instances of foreign lottery fraud have continued to rise. Fortunately, more and more consumers across the U.S. and Canada have been contacting the Better Business Bureau to inquire about the legitimacy of notices they received by mail and/or e-mail announcing they have won substantial sums of money in a foreign lottery. Statistics from 2006 show the Better Business Bureau System received nearly 8,200 inquiries from consumers on foreign lottery scams, a 14 percent increase from the previous year.

In many of these fraud cases, the lottery notices are accompanied by a check or money order for several thousand dollars. Recipients are being instructed to deposit the checks and wire transfer all or portions of the money back to the company to pay for fees or taxes in order to receive their winnings.

The BBB does not want to see another honest, trusting person fall prey to a lottery scheme and cannot stress too emphatically the dangers of responding to these types of correspondence. Even if no money is transferred to these organizations, simply providing an ID or bank account details to an unknown party makes consumers vulnerable to identity theft and fraudulent use of their bank accounts.

To help consumers identify a lottery scam, the BBB provides the following checklist:

Was the lottery notification delivered to you by mail or e-mail? If you receive a winning lottery notification by regular mail or e-mail, there is a good chance it is fraudulent. Legitimate lottery companies will usually send winning notices by certified mail, Federal Express, UPS or DHL delivery services. On the other hand, if you have played the lottery online, you may be notified by e-mail. However, you still must log into your account to check your winnings and choose whether you want to be paid by check or by a credit to your credit card.
Does the notification appear to come from another country? Organizations behind these frauds operate under different names, often derived from well-known lotteries in other countries. U.S. citizens should know that it is illegal to participate in a foreign lottery by using U.S. mail services.
Were you sent a check or money order with your notification? Fraudulent promoters will sometimes send a check or money order along with notification to convince you they are real. While the checks and money orders may look official, they are counterfeit!
Are you asked to wire transfer money or mail a personal check to cover some type of fee or taxes? Fraudulent promoters will ask you to deposit the check or money order and then instruct you to wire money or send a personal check back to them to cover what may seem like legitimate fees, such as processing, administrative, handling or tax fees. They also may instruct you to call a number to claim your winnings. When you do, they will try to get you to send money or ask for personal identification information that will undoubtedly be used for identity theft purposes. If you deposit a bogus check or money order in your bank account, keep in mind that you will be held responsible for any money you spend or send to anyone else.
Does the lottery promoter's name and address on the check match the name and address on the envelope? In many instances it does not. The company name is usually different on the check, the bank name on the check is fraudulent and the account number stolen — making the check a counterfeit. Sponsors of legitimate lotteries and sweepstakes identify themselves prominently on their checks and on the envelopes.
Are the notifications sent by people claiming to be bankers, gaming officials, claims agents, tax collectors, attorneys, or a high ranking government official? Scam artists will use any number of titles in an effort to convince you that they are legitimate.

The BBB wants everyone to understand that legitimate lottery or sweepstakes companies will not ask you to send money in order to collect your winnings. They will not ask you for personal information.

Foreign lottery scams steal millions of dollars from unsuspecting people every year. If you receive any form of notification that you are a prize winner in a foreign lottery or sweepstakes, contact the BBB (www.bbb.org) and check it out before you become the next victim in this type scheme.