If you want three fico 8 scores and reports, they can be had at creditreport.com for $1. An email requesting cancellation should be sent the same day (imo) so you don't forget and get charged $25 after 7 days.
Anyone can check their credit reports scoresfrom each of the "big three" credit reporting agency free of any charge annually- the easiest way to do that is to request one every four months, alternating CRAs.
I applied for CL increase, denied. Recd letter saying 'Derogatory reference' so I cheked 'Experian' (free) The mark is 'C' (collection) this month for I missed $20 payment (about 2/3 months). Sent $60 payment today.
My Credit score is high, (all new cards are approved, may be not anymore?) Need help/suggestions to fix this.