Sir, I have been charged on 10/30/09 $14.95; on 12/28/09, $14.95 and on 12/30/09, $14.95 for credit reports which were free of charge on web and on e-mail. Please look about it and send me back my total amount of $44.85. IF I will not get it back in 30 days, I will take further steps .Thank you.