I guess Quarterly monitoring isn't doing what I thought it would.  I thought it would alert me whenever a new account was added, or personal information changed.  It has not yet given me alerts about a change in address or two credit line increase, OR a new 15,000 CL from AMEX (new account).  It has been a few months now and Credit Karma picked up on it about 3 weeks after the changes.  

Why pay for a service when Credit Karma will do it for free?

I understand the differences between a FAKO and FICO.  My FAKO is probably 20 points above my true TU FICO, but I really have the monitoring to alert me to changes - and apparently its not very reliable for that.  

Anyone else a bigger fan of Credit Karma?