If you're expecting a lot of change, I'd avoid SW.
USAA is good but if you're struggling financially CreditKarma is an effective, free way to keep track of things for a while. Generally, negatives tend to fall off TU last.
Starting Score: 675 Current Score: EX 753 FICO, EQ 750 FICO Goal Score: 776 FICO
Starting Score: 675