I applied for credit at my local credit union & was turned down & suggested that i get a free credit report at freecreditreport.com. I did on 12/7/09 & what was told to me that disqualified me for the credit was not on my credit report, nor anything useful to me at all. i then got a charge, on my credit card, ref# 2435178ACNB0FQVBMN with a charge of $14.95 i was unaware of and on the web i would be charged this once a month with nowhere to advise that i did not want the service. my first notice that i was signed up for this was through my credt card bill i received on 12/24/09. Merry Christmas for a charge that i cannot afford.