Please stop deducting 12.95 from my account. I only used the credit report once. Since then I have been penalized with this monthly charge. What am I paying for? I can not access my credit report without going through the entire 1, 2, 3 steps of the internet process. Please stop. The substraction of this 12.95 is hurting my account because I have not budgeted this amount from my monthly statement. I had hope it was a one time only deal. Please stop. read full review »