Yeah, depends on how often you like to check your credit. I got mine when I was “acitvely” working on cleaning up my credit, sending out letters/ disputing, etc. I wanted to see how long it took an agency to remove an account as they said they would or i like seeing the affect a change has on my score even though it’s not FICO. I have an Experian service through my bank and an Equifax one also. I still have them because when I went to cancel they cut the amount in half. I’ve read that if you really want the correct picture of your reports you should order paper copies, from the reporting agencies themselves, but I never have.