Like most that have already responded, I use CK, CS, and Quizzle, which are all FAKO's, which are free. Right now because we're trying to get my scores up so that we can do a re-fi, I am paying for the monthly myFICO service and now that myFICO offers the mortgage scores I have purchased my full report at the beginning of this month and will again sometime next month as I see improvement in my credit scores from the monthly reporting as well as my new cards reporting. Once we get the refi done, I may keep the monitoring system for a few months, but plan to eventually stop paying for it since my goal will have been met. I can continue to use the FAKO's to monitor activity.
