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Score Watch alertFebruary 16, 2006

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Alert:

Your FICO score has increased

Changes to your FICO^® Score

Your FICO score increased to 754 on February 16, 2006.

Changes to your credit report

Your FICO^® score went up on a day when there were no credit alerts on your Equifax Credit Report^™. This can happen if:

· The balances on one or more of your credit accounts decreased. Decreasing balances tend to improve FICO scores.

· The credit limit on one or more of your credit accounts increased. Larger credit limits tend to improve FICO scores if balances remain the same.

· Negative information on your credit report, such as a bankruptcy, collection, or record of a late payment, was removed because it was more than 7 years old (or 10 years old in the case of a bankruptcy).

· Negative information on your credit report is not harming your FICO score as much as before because it is now older. The FICO score tends to improve over time if past negative credit behavior, like missing payments or defaulting on loans, are offset by more recent history of credit responsibility.