Right there with you, the "gamble" part hits hard. I signed up for a different service a couple years back and same thing, it caught a utility account opened in my name out of state within a week. Felt like a lifesaver. But my brother got the same service and all he got was a weekly email trying to sell him identity theft insurance, nothing useful at all. It really seems like these services only work if something is already happening to you, otherwise it's just a waste of money until it's not. Did you cancel the service after it caught that card or are you keeping it going?

Wait until they find out my pet's name is boosting my credit too.

$30 Amazon meters have fried three times for guys I know, no thanks.