This is a very sneaky and dishonest company. It asks $1 for free credit report, which by law is available to U.S. citizens for free once a year. I gave my credit card information for the $1 charge. 2 weeks later another $14.95 appeared on my credit card. I called the company at the phone number my credit card company gave to me. The lady refused to give me a refund and said that $14.95 is membership fee. The membership charge is not explicitly stated when I requested for the credit report and I was never asked whether I agreed to pay for... read full review »