well, they came up on a website that i was using. they were saying that you can get three credit reports and your credit score free at no charge and i will have a 7 day free trial of theses three bureau credit monitoring and cerdit score tracking.also i will receive e-mail alerts whenever there is a significantchange to my cerdit reports or score. i will be billed each month a $ 14.95 membership fee .that i may cancel at anytime - there is no obligation. so i order my report and score, so a report apeared on the screen. so i checked it out... read full review »