But these services could be worth it, especially for those with no credit or who are looking to rebuild credit, says JohnUlzheimer, president of consumer education at SmartCredit.com.
"You look no different than somebody with a big fat balance, " says JohnUlzheimer, president of consumer education at SmartCredit.com, which sells credit-score monitoring services based on its own scoring formulas.
"Margins on gasoline sales are already so razor-thin they can't offer you 50% off like a clothing store could, " says JohnUlzheimer, president of consumer education for SmartCredit.com, a money-management and credit website.