Ditto to what has been said....SW monitors EQ only. There is no myFICO product that monitors TU in the same manner. There is FICO Quarterly Monitoring but that monitors your TU for changes on a quarterly basis (hence the name). It's basically a pre-paid plan for 4 TU FICO reports per year w/ monitoring of non-credit items only (e.g. changes in demographic info and other indicators for ID theft).