[Selanne_200]

Well for starters, you are not obligated to enrol in the monthly monitoring program. You can always obtain your credit score/report for a one time fee. I have not used credit karma but should you want to, you are also entitled to obtain your credit report for free once a year by writing to equifax or transunion. Keep in mind tho, that your credit report will most likely contain only items on your credit report but not your actual credit score.