I was attracted to the site by "Free" credit report copies delivered in a short period of time. As I went through the process on line and came across the area where they begin to speak of charges, I aborted the on line questionaire, sent my bank a notice of the potential charges. No VISA will not deduct the charges without a formal set of forms to filled out, taking more time, as the charges accrue. This is a scam, I did not complete their online questions and I am still being charged. read full review »