I never authorized this $19.95 to be withdrawn from my PayPal charge acct. I never put my information in the system to have my own personal credit report. I want this money back in my account ASAP. I was just going to ignore this but then asked my friend about when we went on the internet to get me a free free personal credit report and she said we never entered any information or paid money for this report. It was a freebie to me that I was lawfully allowed to have for myself atleast once a year. Since I have never pulled one for myself... read full review »