I use the combination of ScoreWatch and TrueCredit (for the reports, not the scores.) Here's one of the threads that hashes this pretty well:
http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=5457
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007