Under normal situations I'd agree. But I've been doing a lot of work the past 3 years on improving my score and it's useful to see the direct impact that the actions have on the score. And the monitoring has proven useful on several occassions; I'm dealing with one now where the creditor claimed that I was 30-days late even though I had a $0 balance. They admit they were wrong, but getting it removed from the various bureaus reports is difficult. The whole process would be significantly more difficult if it hadn't been caught right when it occurred.
