Have you purchased the $30 monthly package yet? It may be just right for you, or there may be much cheaper options (solutions that are not based on using myFICO products) that fit your needs.
I suggest you read though this page. It describes what you are buying with the $30 product and answers the questions you asked (plus tells you a lot more besides):
http://www.myfico.com/products/ultimate-three-bureau-credit-report/
