I WAS TOLD BY FINGEERHUT I HAD 30 DAYS FROM THE DATE I RECIEVED MY CREDIT MONITORING PKG TO LOOK IT OVER FOR 1.00 3 WEEKS LATER I, M GETTING LATE NOTICES, LATE CHARGES ETC. I CALLED FINGERHUT THEY SAY YOU JOINED 3/3/09 YOU SHOULD NOT OF BEEN CHARGED I CALLED CREDITWATCHMAN THEY CLAIM THEY SENT IT OUT TO ME 3/18/09 NOW IT'S 3/29 AND STILL NOTHING IT SEEMS THAT ALL FINGERHUT DOES IS SELL POLICIES WELL DON'T DOP IT!!!THEY WILL MESS UP YOUR CREDIT read full review »