 I use Credit Karma and I check it frequently. It tells me what my credit score is. These are your credit cards that you have. These are any loans that you have. I could tell if you stole my identity and opened up a JCPenney account. I don't have a JCPenney account. But if a JCPenney account were to open up, Credit Karma would first alert me and say, hey, congratulations for opening up a JCPenney account.