Made the mistake of ordering a "free" credit report online when I was refinancing in December 08. Rec'd credit report and CANCELLED membership within first 30 days as specified in order to avoid being billed a monthly fee of $12.95. Well, I got billed in January, February and now March after making a phone call each month only to be assured my account was cancelled. Today I finally had to go to the bank to have my account number cx and reissued to avoid being billed by these people again. What a scam!!! read full review »