As many people here know, I am no big promoter of the myFICO credit monitoring products. I consistently ask newcomers if they are aware of the many tools out there for getting free reports and FICO scores, often after the person indicates (indirectly) that he is paying $30 or $40 every month to MF.
That said, I think the problem is the fact that Karma (to take an example) updates its reports every seven days whereas MF only does it every 30 (or 90!). Even Karma, however, doesn't give you real time access to your accounts. In other words if you update your reports at Karma on Day 1, and then log back on at Day 6 and click on an account, it will (like MF) only give you info as of the most recent report.
