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Does anyone know what is the best product (or company offering a product) available where I can begin to monitor all three of my scores and work to improve my credit?
FICO offers a couple of options. ScoreWatch monitors EQ only and will alert you to most changes to your EQ CR and will let you know of any significant score change. With that service, you get 2 CRs w/ score for EQ per year and a discounted price of $10.95 per EQ report should you pull more.
FICO Quarterly Monitoring is for TU and basically is a pre-paid deal where you get 4 TU reports and scores once a quarter at a discount.
And of course, EX no longer allows consumers to pull their own EX FICO score. If you ever see a website offering an EX score, it is not a FICO score (nor are the other two). This is the only website on the web that allows you to pull both TU and EQ together. You can also get EQ FICO via equifax.com (FICO and EQ partnered up) and you can also get TU FICO from transunioncs.com (note the -cs).
IMO, the best way to monitor your FICO scores is to subscribe to a 3-in-1 service like creditchecktotal. Ignore the scores, as they are not FICO scores, but as you see a change to your report then come back here to pull the report and score to see the FICO score impact.