Last week, I saw a temporary charge on my credit card statement for $1 to MNI Credit Report.com. Since it was a temporary charge, I thought it was from a legitimate agency and would drop off in a few days, as has happened in the past with legitimate credit checks. However, in a few days, when I checked my statement again, the $1 was gone, replaced by a permanent charge for $ 12.95! There was also another temporary charge for $1 to the same company. I'm going to contact my bank to ask these be removed, but I don't know how to prevent this from continuing. I've never heard of this company and I definitely didn't authorize a monitoring of my credit report. I only deal directly with the three major reporting companies (Experian, TransUnion, and Equifax) when I get a credit report.