Interesting, $12/mo. is decent. I pay $17/mo. for Experian credit tracker, sends me alerts if my score changes, risk-rating goes up/down, new accounts open, monthly full credit report, etc. That's steep too, but worth it to me. I'll have to check with Chase on what they offer, thx.
Montoya (Safe for work):
http://www.youtube.com/watch?v=6JGp7Meg42U
P.S. I chose Experian out of the three because it is usually my "low score", and I found many banks and lenders like to use it. Specifically for that reason I'm sure, bastards.