Is Paying for Monthly Credit Checks Worth It?

[jbjints]

My question involves a credit report problem in the State of: New York

I have been debating whether or not I should pay creditreport.com monthly to monitor my credit? Is it important to do so? What is the best way to keep track of my credit? My wife and I are currently enrolled in a debt management program and we would like to start building our credit for hopefully a future car buy.

[aardvarc]

Why not just open a checking or savings account at one of the many banks that provides credit scores monthly for free? True, they don't cover all three bureaus (for example, Wamu uses TransUnion's scoring), but once you've gotten one copy of each of the three, you'll have an idea where you stand and can update annually for free via annualcreditreport.com or by simply writing for annual updates.