If you can pay it off early and eliminate interest, why not do so?
Yes, as catchy as some of the jingles are, they are FAKO scores. The only places you can get real FICOs are as follows:
myfico.com--all three reports
Equifax--EQ only
Transunioncs.com--TU only
Besides the FIs that offer to their members/customers for free, every other credit score you get will be a FAKO.