Please watch your language if you expect your post to stay up.
The reason why you're getting alerts is because you didn't set up alerts. Go to settings and you can choose if you do or don't want the alerts. You can also pick the amount above which you'd like to be alerted. That setting has always been there.
Why your scores don't match?
Scores fluctuate when there are reported changes, if score is not referencing exactly same point in time, they may not be a match. Same goes for scores your lenders provide, your TU for example might be 700 when lender pulls it, but 705 when looking at score provided by CMS.
As far as racket goes, if you were forced to buy a report or threatened if you don't, it definitely meets the racket criteria.
While certain things could use improvement, that's by no means a racket.
Lastly, if your good habits aren't leading to score improvement, you would need to look at why they aren't where you'd want them to be, typically due to utilization and presence of negatives.
Both are under your control, you control utilization and timeliness of your payments.
If you want to have a serious discussion on scoring improvement, feel free to ask questions in the appropriate forum (Understanding Fico Scoring)
Oh, and alerts settings look like this
