I had both for a bit but I definitely have a preference for myfico. The alerts are quicker and you do get all 3 reports every 90 days.
Credit check total will offer you a 50% discount if you cancel after the 7 day trial so $15.00 a month usually for 1 year. If you need other scores versions other than FICO 8 the myfico is your only source at $30.00 per month.
Mostly true but Experian's credit product now offers purchases of all the same additional scores found here at least for EX; they have some pricey monitoring product though ($22/month?) which I think is just FICO 8 only routinely to get access to them so doesn't have the same advantage as the MF product.