: Many users report being charged monthly fees (around $29.95) that are difficult to cancel .
is a credit monitoring service that has faced significant criticism and legal action for misleading marketing practices. While it offers credit reports from all three bureaus and identity theft insurance, it is widely associated with "negative option" billing—where users sign up for a "free" score but are automatically enrolled in a monthly paid subscription . Review Summary
“I was so stupid to give them my SS # and other private information. I did NOT sign up but they now have ALL THE INFORMATION THEY NEED... ruining my credit.” Federal Trade Commission (.gov) · 11 years ago