You have three FICO scores (well, more really, but you don't want to go there now!): Equifax (EQ), TransUnion (TU), and Experian (EX.) As you discovered, ScoreWatch only follows EQ, and it sometimes gets a bit squirrelly. But for tracking FICO's, TU only has a quarterly service, so you really can't call that monitoring FICO's the way we compulsively do around here, and there isn't one for EX at all.
So, many of us cobble together Score Watch and TrueCredit, or a similar report monitoring service, to look at all three reports ONLY, and use the knowledge we get here to know when it's a good time to buy our TU and EX scores here, which we do a lot. And we first Google fico discount coupon code to find 15% or more off. (We don't publish the codes here, as a courtesy to our host, because they come from non-FICO sources.)
Reasonable people would think that checking one's score every three months is plenty, so for the TU score, the quarterly monitoring service makes sense. For EX, you just have to buy them on the myFICO site. Experian sells its own in-house, home-grown score called a PLUS score, which is used by very few lenders indeed, so they don't have a partnership with FICO to produce a FICO EX monitoring product. Silly them, because they could make a fortune off of it if they did.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007