Hi Momof2,
I currently have the SuzeOrman, I believe the difference is this...
Suze
1) 1 time report from each of the three credit bureaus
2) can access those same reports for a year
3) extra coaching from Suze, such as how you should pay down your debts, if you can afford a home etc.
Complete
1) 1 time report from each of the three credit bureaus
2) can access those reports for 30 days
3) no extra coaching from Suze
4) difference between 1 time / anually, if you sign up for annually I would think after a year of first purchase it charge again for another set of 3 reports that you can look at.
Personally between the two I went with Suze since I can have it for a whole year, and as I entered my debts for the debt eliminator (this is done manually it does not pull from your report) the ap looked at my most current Fico's that I have purchased since and saw that my fico avg is higher and gave me a script to use to call my cc's to ask for an apr reduction.
There isnt anything out there that you can pay a flat fee for a month and continually pull your actual fico scores for any of the credit bureaus. I also use the Myfico monitoring(TU) and Scorewatch (EQ), so far im more impressed with scorewatch as I have actually gotten some alerts from them, only I havent seen that anyone has been able to use a discount code for it yet. Scorewatch will let you know of your current fico with each update you get, but you will not get a full credit report. Otherwise, which ever way you go Suze or Complete make sure you find that discount code on google. Its atleast a little bit of savings.
Hope this helps!!