Personally, I look at my credit reports, not the score. The score is fine to alert you about issues or to help you understand how creditors perceive your credit report. But it is the credit report that counts.
To monitor my credit report, I use the free Experien credit report. They will let you pull your report as often as you like. For Transunion, I use the credit report provided by CreditKarma. Quizzle will give you an Equifax report twice a year. Not ideal, but with the EQ and TU free annual reports, I am mostly covered.
To answer your question more directly. I think it is a waste of money to purchase the three score every month. I can see doing it right before a mortgage (but it is a different model). It will not increase your scores. Only working on derog's in your credit report and building positive history will help your score.
