I was working on getting a free credit report. I expected a $1.00 charge for verifying my credit card info. But there was no notification that they were going to charge another $29.95. I have reported this to my credit card provider and filled out a form with 6 emails from PMIdentity.com so that I can get the charges reversed. This sent my card over the limit. I am just establishing credit and cannot afford crap like this to happen.