I purchased this through Citibank, AT&T Universal card. I would not be surprised to loearn that it is owned by that bank. At that time my credit score was 728. It was difficult to get ahold of this company to cancel as they do not work weekends, holidays, etc. They were supposed to monitor my credit. I was notified of one thing during the months I had their service. That I had oopened an additional account. On the date I was finally was able to cancl I had printed their version of one of my credit reports then gone to the corresponding... read full review »