Megan,I am very hard on SW, because I think they have so much potential. It could and should be the best service out there. I suppose I am hoping they will read the posts and make changes to better send out updates, but I doubt they will.Having said this, I think it is a good service if you are going to be making a big purchase (car or home) in the near future. If not, then I think it would be better served to get your FICO from all 3 CRA's every couple months. If you do have a big purchase coming up, then I think you should get the SW service.I am sure others might have a different thought, though. Good luck!