I got a free credit report and unapproved, unathorized by me they started charging me $ 14.95 a month since jan 2010. the credit reports are not free. they are simply a bad business practice, illegal and unethical to get consumers to spend money on useless credit report or monitoring cerdit services. it's a scam pure and simple. someone got to stop them from continuing doing business in this manner. read full review »