Back Up Credit Reports

I recently opened an account with Xactus credit reports since they are half the cost of CoreLogic Credco. However, I have been apprehensive about closing the Credco account just yet since I am still on the honeymoon with Xactus. Even though Credco charges $25 per month for an idle account, I am thinking about keeping them as a back-up. Anyone else do this or am I overthinking this idea?