Keep My Fico?

[ronstar7]

Hello all,

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!

[RonM21]

It's more on your personal preference. I have about 8 cards that give me scores, but I still use CCT and CK on the side for info purposes. I keep CCT because sometimes, a lot of my credit card Fico's don't like to play nice and update when they should. Several of them update, but show the date as being up to 2+ weeks prior because the update was late. Some skip months too.

At least I know with.CCT, one time a month I can have all three, up to date for the date I choose, when I need it. Also, I'll have EXP every day. That's what works for me,.but might be overkill for someone else.

[hapgood]

+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.

[ronstar7]

Makes sense, thank you for clarifying everyone

[takeshi74]

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.