The fact that people would pay for credit monitoring is strange to me. Credit Karma is free, and has been very good. When I applied to finance a car online, w

The fact that people would pay for credit monitoring is strange to me. Credit Karma is free, and has been very good. When I applied to finance a car online, within 15 seconds of me pressing "Submit" on the web page, I had an e-mail from Credit Karma that someone did a hard pull of my credit report. Does the identity theft service you got do anything more than that that you would actually use?