I was talking to my mortgage broker today who is helping me get my credit to where it needs to be in order to qualify for a loan next year. I asked him about all of the credit monitoring sites out there and he said that Myfico.com was the best one to use as it moat closely matches what they use to run your credit for a loan. You have to pay for the service, but it seems well worth it if you have a major goal as in making a big purchase down the road. Just thought I would pass this along in case anyone is interested.