Credit monitoring works. Think about it. When you try to lose weight how do you measure your progress? You keep checking the scale. If you want to improve your cholesterol, how do you know if your diet works? You keep having your cholesterol levels measured.

It’s the same thing with credit. If you want to know if your score is moving in the right direction, monitor your credit.

All three major credit reporting agencies offer credit monitoring products. They are very similar in features and price. I looked at the Equifax website to see how this works. From all the products they offer, two of them stood out.

Equifax Credit Watch™ Gold with 3-in-1 Monitoring and Score Power®.Here are some of the things you get for $14.95 a month:

• One free 3-in-1 credit report and unlimited Equifax credit reports;
• Daily monitoring and alerts of key changes to all your 3 credit reports;
• Your FICO® credit score, what your most current score means, comparison with national averages, and a graph of how lenders view you;
• Interactive Score Simulator to show you how your actions may change your score.

Equifax Score Watch™.Here are some of the things you get for $9.95 a month:

• Nonstop score monitoring and notification when a change in your FICO® score impacts the interest rate you are likely to receive;
• Detailed explanations for key score changes and specific tips for understanding your score;
• Daily monitoring of your Equifax Credit Report with email notification of key changes;
• Two Free Score Power® reports;
• Detailed "Bottom Line" of what your most current score means, comparison with national averages, and a graph of how lenders view you.

It's nice to be able to check your credit reports whenever you want. It can help you be more responsible with your finances. You can use it as a tool to deal with ID theft promptly. You know exactly what is on your reports at any given time.

If you want to sign up for credit monitoring from Equifax you can click on the link below.

Get Equifax Credit Products Now!