So now that I have been approved for Amex which gives Experian, Walmart which gives Transunion, and Citi Double Cash which gives Equifax is there a reason I should pay to keep My Fico? I can afford it but I wanted to hear from you guys on whether there is an unforseen benefit to keep it. I also use Credit Karma and Credit Seasame for report updates.
Thanks in advance!
|TCL: $306,100||Utiliz: 6%||AAoA: 5yrs 2m||Other: Lease, Loan, *No Mortgage||Collections-Lates-BK's: 0|
+1 to RM21's statement about cc's not always updating in a timely manner. I love having a free score for each of the three "main" bureaus, but I hate not be able to count on it when I want it.
To get my credit scores moving in the right direction, I've basically become a total control freak about money & credit skills. Hopefully, time will help me mellow out while keeping great scores.
Makes sense, thank you for clarifying everyone
Your call to make based on your requirements.
Make sure you're considering the specific scoring model any time you reference scores and not just the CRA. Citi, for example provides a FICO 8 Bankcard which is not the same thing as FICO 8.