I saw an ad for free Fios score. When I clicked on it, I also saw an ad to apply for three credit cards. Since it is close to the holidays, I filled out the info . As I was about to submit it, I saw some small print which stated that by submitting this info I would be signing up for credit protection @ 15.95 a month. I backed out of the site and several days later, this company took 33.98 out of my bank account. I was harrassed by text messages, even at 4AM. I finally got hold of the company, filled out info with them on their "refund" website because they don't do this over the phone. I was given a cancellation number and a reference number. When the refund did not come, the company gave me a bogus website.