I was recently requested to acquire a free credit report for a potential job. The credit report charge showed up for $4.95 the day I requested it; however, a charge for $149.95 from USA Credit showed up two days later and caused my account to be overdrawn. In no way shape or form did I authorize these charges, nor have I ever heard of USA Credit. I will be notifying my bank to stop the charges as fraud and to block the company from any further transaction on my account. How is this company still operating? Where is the OCC? read full review »