I received a booklet CREDITKEEPERS and it said I would get the first mo. for 1.00 & if i wish to keep it, i would be billed 9.99 a mo. for it. I never sign up for things that don't interest me, or want to pay 9.99 a mo. for they say that I have a membership in. So i called them and got a cancellation # Wrote down the time i called, date, and the number. Now we will see if they take moneys from my credit card account.