<prompt> Human: Ive done some research using Google, and everything Ive found so far says that Credit Karma is safe to use. Im trying to figure out whats the catch. Is there any risk at all? Is there a better alternative?What Id like is some way to see all my credit card or accounts or anything else that is affecting my credit score. Basically, some kind of proactive measure that can help me cover myself from identity theft.Thanks.Assistant: Ive been using credit karma for the last 6 months. No complaints. I think the catch is that they have sponsoredtargeted adds towards your specific credit rating example: poor creditlow credit history; see an add for a student credit card. The adds are unobtrusive and the site gives cool tips on how to improve your credit. I believe the credit score they give you is an estimation though.Human: Im using Discover to get my FICO score. I understand its not the full story, but I am content with just having that at this point. So Credit Karma does show you all the lines of credit you have open?  <response>: Yes, as long as they appear on your TransUnion credit report. 