<prompt> Human: A couple days ago I got an email from Credit Karma saying that a new account had been added to my Equifax credit report it was a student loan, nothing I didnt know. How did Credit Karma know so fast?I know individuals can only access their own credit reports once per year per agency, but are there special rules for something like Credit Karma? How does that work?Assistant: You can access your credit report as often as you want. Once per year you can access it for free. Credit Karma pays for ongoing access to your credit report.Human: Ahh, that makes sense, thank you! Why isnt a service like Credit Karma recommended more often then? It seems like a great way to manage your credit and catch fraud as soon as it happens. Is there a catch somewhere?  <response>: The catch is they have your info and use it to sell you CCs marketed towards you. To me, not a bad trade off at all, considering Im not going to sign up for CCs anytime soon and want lots of access to my credit score. 