I recently recd a charge on my bank account for a credit report I did not authorized or did not know about. When I called a client service rep he became very nervous and had to transfer me to a Specialist, which disconnected me. I called back and spoke with another CSR, her name Susan. She canceled my so called membership, but would not refund the $11.95 charge. Then hung up on me. I called back and got Susan again, she was rude and unhappy to hear it was me again, then I was told I should have read the agreement. I did and I read is as: if at the end of the process I could indicate if I wanted this report. I asked for a manager and was put on hold for 20 minutes. This credit company is not here to help, its here to make is money and scam everyone.