Do you have any experience with credit monitoring services?

I think each of the three credit reporting agencies offer some type of credit monitor service. Are they worth the money?

Myfico.com is very good because you get your true fico score. Instead of a fako score. The fako scores are way off. To save some money on Myfico.com you may use this code SCORES4LESS. You will save 20%.
The difference between the Fair Isaac credit score–FICO–and the ones supplied by the credit bureaus, which we* call FAKO scores. Equifax's ScorePower, Experian's PLUS score, and Transunion's Credit score are just the credit bureau's guesses at what your FICO score should be.
The truth is, only Fair Isaac knows how FICO scores are calculated, and their formula is kept very secret. Other credit scores can sometimes come close to the mark, but they can be off by as much as 100 points either way.
This is important because lenders don't use FAKO scores; they almost always use FICO. So it does you no good to know a score that a) isn't correct, b) won't be considered by lenders.
I've always told people to check their own credit reports (and scores) before they apply for a loan. Now you know that not all scores are created equal. FAKO scores are worthless. If you want a true picture of your credit health, stick with FICO.
But if you are just monitoring your credit True Credit is good because you can monitor all three credit reports really cheap. Around $14.95 a month.
Yes it is worth the money.