12-15-2012 07:52 AM - edited 12-15-2012 08:06 AM
At the risk of repeating myself......
Scorewatch is not a really good MONITORING software although it is the ONLY monitoring product available that provides a really useful score.
The OP would not have been wrong to keep the monitoring procuct and simply purchase one EQ FICO report so that he has a real score. I hope it is obvious to most people that he is way wrong thinking he is getting a score that is accurate "+-2 points". IIlecs experience matches mine when he says his is usually about "+/- 50". Mine is currently off 58 and was recently off 75.
There are lots of different options and there is no option that is right for everyone. If I was only going to monitor one CRA, I would choose EX since it updates far sooner than the others. Adding Scorewatch gives me a useful score along with good monitoring. You can add monitoring on TU for free by signing up for CK. Just be sure to ignore all scores that aren't a FICO and all non-FICO advice.