If it is true that they help you monitor your identity and credit score and on top of that help you strategize ways to better position yourself not only credit wise but also mortgage wise, I could see the benefit in remaining subscribed.

As a home owner and someone who has been through more than one refinance process it is nice to work with an organization that is not beholden to the other side of the equation - the lenders. This model is incentivized to more favorably aligned with my interests.