In July 2007, I requested a free credit report. I was told to use a credit card but I would not be charged. I was charged for seven months on my checking account for a service I never received. On January 17, 2008 I received a notice of overdraft on my account. I called the bank to find out where the charge came from and I was told it was Triple Advantage Co. I called Triple Advantage and spoke with a representative, she stated that the charges were none refundable. I never received a copy of my credit report. This is scam, beware!