wow, seriously all of you are just plain stupid. what it sounds like is that al of you who felt that you were scammed obviously did not take your time and read what you were signing up for. Obviously if you give your credit card information you will be charged. Just take your time to read people. No-one is trying to scam you. Creditreport.com actaully helps out alot, i have the service and i love it. I ony pay9.95 a month and they monitor all 3 bureaus and track my score 24/7. I recieve updates all the time on all of my reports. I even had something that was wrong on one of my reports that i fixed right away when i recieved the update. Its well worth the money. Dont just take my word. go to the website and actaully read it, it offers lots of information on bettering your credit and protecting yourself.......... sorry for any typos just wanted to put my 2 cents in