Grunt, you don't know what you are talking about. Credit monitoring has never been a free service.
Whether they use Experian for both monitoring and their own credit decisions is irrelevant. If you have bad credit, it's your problem not USAA's or the credit reporting agency's. Besides, monitoring products are set up by a different business unit and not the credit department. Probably Equifax gives USAA better pricing for credit checks and Experian gives better pricing for monitoring. Again, if you have good credit it shouldn't matter. If you have bad credit then quit whining and start meeting your obligations.