Wish I would have looked into all this sooner! Here I thought I was in the credit maintenance phase and it turns out I still need about 100 points of improvement. =-P I still canceled my TC subscription though, because my bank USAA has a three credit agency monitoring for $12 that I heard was good (plus trying to cancel my TC subscription made me realize how slimy they are).
The Truecredit reports are really nice in that they highlight the changes from your last report. Daily pull of TU and monthly on all 3 is nice also. Scores and reasons are the biggest problem. There seem to be good points and bad points to all of the monitoring services.
I want the speed of reporting of EX; The change reports and daily pulls of Truecredit, and the scores of myFICO. Oh, and WITH the ability to get an EX FICO.