MyFICO.com is the only place to go to get your actual score.
Any other site that offers to show you your scores, and from all three bureau’s is what are called FAKO scores. Lenders will never use these scores to offer you credit.
While I believe that credit monitoring is more for people with extremely high scores and want to protect them from the damage that can happen if someone steals their identity. I would suggest that you apply for some sort of credit monitoring, at least for a year, so you can see how credit works, and what happens when items in your file change. It has helped me far beyond what I ever thought I wanted to know about credit, and what it effects in my daily life.