Blackeyes24

I'm trying to determine if it will be worth the $50 to get my FICO scores before applying for a mortgage. I currently pay for a credit monitoring service through HSBC's Credit Keeper, which provides scores for all three bureaus. I am aware that these scores are not FICO scores and are typicially not accurate. With this monitoring service my scores are Ex 724, EQ 714, and TU 749. I have no late payments and no potentially negative items. I do have slightly high debt ratios and will discuss those issues with my lender when I apply later this month. Is it worth it for me to pay the $50 to know exactly what my scores are before I apply? Or should I just wait and let the lender pull my score for the pre-approval since I will have to pay for the credit report then anyway?