The higher your credit score the better your credit rating. But knowing your score from year to year can be a challenge. For the first time you can continuously monitor your credit score on-line. Equifax offers a program called Score Watch on its website. It tracks your credit score so you've got a better idea of what you'll pay in interest rates on loans. Credit expert Megan Johnston says knowing your score could save you money, "Your credit score is probably the most important thermostat of a predictor of what you're going to be paying. A high score means lower interest rates on loans. It means lower interest rates on your credit card bills." Score Watch isn't free. A three-month minimum is required and costs $7.95 a month. A year's worth of the service costs $79.95.