Credit Karma is free and does everything I've seen any other credit monitoring service do. I have credit monitoring from three different places (one is Credit Karma) because it often comes included with credit/loans. I like Credit Karma over my Capital One monitoring, which I think is called Creditwise. The thing Credit Karma does that earns them their money is that they suggest credit and/or loans. Like they can see what your car loan amount is and they'll have a message saying "We think you can save $X on your car loan, click here for details" And when you "click here" it takes you to a list, still on their website, that shows 5-6 car loans they think you'll qualify for and shows the length and APR of the loan and what your new payment would be.