Applied for a 3-1 credit free report but to get the report you must sign for membershipwith Privacy Matters Identity and their sister companies. Once the credit reports are obtained you can cancell the membership and not be charged any fees if it's within 7 day of signing up. Having cancelled the very same day that I signed up and receiving confirmation e-mails from each of the three phonies, I assumed that it was done until I got my bank statement and found two charges for $29.95 each and two charges for $1.00 each and two holds on my account for another $29.95 each. Callled my bank and had to cancell my cards and file a fraud complaint with them. When I called PMIdentity they confirmed that the memberships were indeed cancelled but wanted me to give them my account number so that they could verify the charges. The floor supervisor's name is Elen, a foreign man that was hard to understand. I asked him if he thought I was crazy.