My needed a credit report and was told that it was free I let him use my debit card since that time my account has been charged $ 12.95. When I called CIC about this they told me that he should have read the contract which states that if you don't call and cancel the thing they can charge you. This a scam from the start. My bank will only go back 60 days so I have been scammed for just over $ 100.00 before I could get it stopped.