Any time anyone quotes EQ and TU scores, that's a red flag. Are you getting your scores from credit karma? If so, those are VantageScore, not FICO. In addition, cap1 doesn't usually pull FICO 8 or 9 like most lenders, they use mortgage, which is normally lower. If you're looking for a higher limit, you may want to look at a lender that pulls your highest score.
@Anonymous-- myFICO has a 3B report subscription for $39.95 / month which also provides additional value in monitoring and ID theft help, etc. Like many other paid providers would have. I've only used the score, report and alerts so can't comment on the monitoring, etc. However the myFICO service provides more scores than FICO 8, which I think is an exclusive benefit here.
I signed up for CreditSecure which is an Amex + Experian service that was offered as a $1 trial via amex. I like it okay, the service provides 3B reports and FICO 8 scores for ~40% of the myFICO cost. I do kind of like the report presentation on CreditSecure better than the myFICO display...
EDIT: not certain, but CreditSecure might require an amex card or savings since it apparently requires an amex online account.
I have not used CreditCheck Total but it's gotten a lot of attention here on the forum(s) and apparently will offer a reduced price if you call to cancel the trial before it expires.
Best I can tell, all the stand-alone free credit score providers (as opposed to free FICO scores provided by some credit card vendors, on their account management page) will be Vantage 3.0 scores so not any more meaningful than Credit Karma provided scores.
I know CapOne doesn't get a whole lot of love around here except (primarily) for folks rebuilding, that said, triple pull or no, $95 annual fee or no, I find their Savor card more than a bit compelling, in fact, compelling enough I will probably apply for one when I come out of the garden next year.
