THESE PEOPLE ARE A RIPOFF!!! OFFER NOTHING AND TAKE FROM CREDIT CARD ACCOUNTS KNOWING THEY HAVE NOTHING TO OFFER!! THESE COMPANIES NEED TO BE STOPPED!!! ADVERTISING FREE CREDIT INQUIRIES AND THEN CHARGING A FEE ANYWAY!!! TO DO ANYTHING ONLINE REQUIRES READING EVERY LETTER OF FINE PRINT???? JUST ISNT RIGHT!!! WHEN I CONTACTED THE COMPANY BY PHONE THEY IMMEDIATELY OFFERED A REFUND!!! THIS IS BULLSHIT!!!