As someone who's been in the credit industry for 15+ years during my dayjob, here's the scoop. Annualcreditreport.com is the best one for a once a year look at your credit and to make sure all is good. Three credit bureaus exist (Experian, Equifax, Transunion). Your FICO scores are "only" available via myfico.com through an arrangement. Experian doesn't offer FICO scores to the public, only banks and finance companies.
There are tons of monitoring services out there. Just be sure to read the T&C's on each and see what they monitor and for how much.
Hope that helps
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